银行实习报告英文版

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银行实习报告英文版

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银行实习报告英文版

　　1 introduction of China Everbright Bank

　　1.1 Organization Structure of the Bank

　　China Everbright Group consists of China Everbright (Group) Corporation and China Everbright Group Limited (Hong Kong) management inside and outside the business. The highest decision-ma-ki-ng body for the group board of directors, by the state authorized investment group, operating state management of state-owned assets. Party committee of group plays the political core role in the group. Group supervisors appointed by the state council.

　　At present, group in China wholly owned 6 enterprises, holding 2 company, share 7 enterprises, joint venture 1, including the China Everbright Bank, China Everbright Securities Limited by Share Ltd, Sun Life Everbright life-insurance company and China Everbright Investment management companies and other financial institutions and enterprises. Everbright Holdings in Hong Kong, China Everbright International 2 listing Corporation, 37 fully owned company, joint venture and Associate Companies. China Everbright Holding Company Limited was established in Hong Kong in 1983. It acquired several listed companies and restructured to form China Everbright Limited and China Everbright International Limited .China Everbright Limited was listed on the Hong Kong Stock Exchange in 1997.

　　The Company, through its subsidiaries and associates, is principally engaged in investment activities and the provision of financial services. Prior to 2002, Everbright

　　had no asset management department. Mr. Guo You, the CEO at the time set a goal to make Everbright one of China's premier investment firms. Now, Everbright conducts its business activities in three areas: short-term investments, financial services and long-term investments plus other operations. The Company provides portfolio management services for institutional and individual clients, such as China Everbright Dragon Fund. The first sere that was launched in 2004 in a joint venture with Seagate Global Advisors, LLC provides financial advisory services, such as share placements, mergers and acquisitions (M&A), privatization and project financing. 2 Practice in the China Everbright Bank.

　　1.2 Background

　　China Everbright bank was built in August 1992, is the national state-controlled joint-stock commercial banks, is governed by China Everbright (Group) Corporation, the China Everbright Ltd, the Asian Development Bank and other nearly 130 foreign shareholders units becoming shareholders, as the first international financial organization shares of the bank. China Everbright Bank has a solid financial strength, distinctive features of the ownership structure, perfect management system, reasonable layout of the network of institutions, advanced electronic business support system and standardized management system. It has been rated as one of the best profit of bank in China, the world's 1000 largest bank ranked 210th place.

　　Since its inception, with China's financial industry development process, China Everbright Bank, the pioneering and innovative, forge ahead, for the community to provide quality financial services at the same time, achieved good operating results, in the comprehensive management, business, international business, financial services, cultivate a strong comparative advantage, basic formation of the main business lines of balanced development, retail business contribution spends ceaseless promotion, risk management and gradually improve, innovation capability is enhanced operating pattern.

　　At the end of 2015, China Everbright Bank had Loan of about 5.83 billon ,2.3 less than the year; non-performing loan rate of 0.75%, dropped 0.5 percentage points than last year; credit provision coverage rate is 313.38%, increase by 119.39 percentage points than last year. Asset quality improved significantly, the ability to withstand risks significantly improved.

　　In 2015, China Everbright Bank completed IPO core capital effectively supplement.. At the end of 2015, the capital adequacy rate for 11.02%, increase by 0.63 percentage points than last year; the core capital adequacy ratio is 8.15%, 1.31 percentage points higher than last year.

　　By virtue of excellent innovation capability and excellent performance, ChinaEverbright Bank won the "top ten Chinese banks", "Bank of the year's most innovative" and other honorary awards; sun sign business financial management was rated as "the people's most recognized financial brand", "the most popular finance product".

　　China Everbright Group (China Everbright Group, Everbright Group) is the Central Government Management of state-owned enterprises in China, established in Hong Kong in May 1983, country of the State Council approved the China Everbright Group hair [1983]89 date the constitution makes clear: China Everbright Group is directly under the State Council and the Ministry of company. The group is currently operating the banking, securities, insurance, investment management and financial business of large state-owned enterprise groups.

　　2.1 Work as a Manager

　　As a management department of China World Trade Center professional college students, I always look forward to having the opportunity to banking, securities, insurance and other financial areas of the company to practice. This long-awaited dream came in the summer of this year to achieve: in China Everbright Bank summer intern. Although the practice is only a short period of one month, but in the knowledge of finance, banking, corporate management, give me a profound practice course. In particular, each department manager on my guidance with caring, let me feel the beauty and warmth of the big family, I was full of gratitude and admiration on the Bank of china!

　　The internship work as a manager on duty, the work involved the basic content. Teach customer to account, fill in the documents, the foreign exchange program, to the public, the private business guide. And to give customers the deposit loan advice, introduces customer financing channels, to provide customers with financial information. Also teach clients how to use ATM, automatic payment machine, online banking using method and so on

　　Especially fill in the forms, the Everbright Bank as a small commercial bank, unlike in agriculture, engineering, construction, pay, as well as rural credit cooperatives. It and other small banks such as Bank of Ningbo, Bank of the people's livelihood of some aspects of the preferential policies, namely: because of their use is the bank

　　clearing system, the China Everbright Bank access in Ningbo bank card money without the need to pay the fee, the cost for customers to pay by a bank. In addition, the transfer to go to the 5 major state-owned banks, are required to fill the USW single for inter-city transfer, need to fill in strange land transfer; with the China Everbright Bank money transfers between there is no need to fill in a form. As for the other, such as debit cards for business, loss and unlock password, are required to fill in the form below. And guide customers to fill out a form and help customers to take, I became a part of the work

　　The Everbright Bank culture is the concept of service with a smile. For every customer to come and request to enthusiastic welcome and treats, especially in some older customers are the financial details of slowly not to mind taking the trouble to the enterprise, to win a better reputation, another is the bank related business funds for every customer effort, we must to our sustenance and trust is responsible earnestly. The bank requires not only our customers for every one of all with a smile, every one of their colleagues is to care for, care about. Commendable is the colleague to every customer requirements things will be on the heart and seriously, and the work of all has a good habit of frugality, don't waste. Every morning when the morning is a summary of the day's work and check each other's appearance, and then to a new state of mind and began to look for a day's work. I think no matter what a business, if have good corporate culture, employees have a positive mood, then the enterprise development will be on the upgrade, also is the place where more people yearn for.

　　2.2 Some Basic Business of the Bank that I Touched

　　Savings business

　　The savings department implements at present is the cabinet responsibility system, each teller can handle all of the savings business, that is to open an account, access to cash, savings card, Certificate did not want to corporate banking services departments did in accounting between the transmission, but each teller alone accounts processing, bookkeeping, and produced documents must be handed over to the relevant person in charge of the audit within the line first, and then passed to the superior line of "post audit".

　　The bank accounting settlement business

　　Bank accounting with the bank appear and born at the same time. The bank every business operation process, is also the bank accounting operations, accounting process, must realize through accountant. That is to say, the bank accounting process is specific for the banking business and the realization of the basic functions of the process of bank.

　　Bank accounting is not only the important basic work for banks, and can objectively reflect the operation of banks, accounting and supervision, and bank accounting of these three functions can also be counter-productive in the bank's operations, they are complementary to each other. In the Bank of practice a month, has to learn how to open a basic deposit account, temporary deposit account, a general deposit account, and the different accounts require different data; how to handle the settlement account household, how to handle the increase.

　　In the settlement, I learned various instruments of liquidation and transfer procedures, including bank draft, commercial bank draft, promissory and notes, although these notes, the transferring procedure and liquidation, In the "international settlement" and "financial accounting" and other courses are learned and mastered very skilled in the University, but real operation and ISBN theoretical knowledge is still very different. In the actual operation, the bank accounting is not only known to the draft, promissory notes and items, but also to accept the bill audit matters did not leak: Bill is prompt payment terms; the bill payee or recorded whether indeed the holder units or individuals; the amount of writing consistency, bank draft and promissory notes of the lowercase amount is pressed for several machine impression; the drawer, acceptor, signature with bank signature match; and so on. Specifically assigned to do practical work, help bank accounting is primarily on the notes, chapter corporate and financial chapter; learn how to knock chapter, each accounting staff, there are a lot of stars at different chapter, a receipt chapter void, bank to wait, want to be in the right place knock on the appropriate chapter; learn how to use the pressure number machine and check the printer; and so on, all these knowledge could not be learned in the school class

　　International settlement business

　　International settlement business has the feature of small risk, low cost, high profit for the whole bank industry. On the whole, the international settlement business practitioners and the credit scale ratio are not high, but the profit is to account for the bank's net income quite large share.

　　In three, we had an original "international payment", the main is foreign exchange settlement knowledge, and what I learned from it is what is business credit, collection, transfer, D / D T, difference and so on, and that a large number of English professional vocabulary, this to me later in International business practice, has a great help.

　　In reality the practice work, in work under the guidance of the teacher, I learn how to open a letter of credit, and the required documents, including import contract, import agency agreement, open the import license application (shall affix the seal and accounting staff must), import approval, deposit receipt copy, credit approval (first), issuing import dynamic list, account notification; and how to amend the letter of credit, how to charge RMB deposit; export packing credit loan needs those formalities; without any discrepancies on export credit card bills should which data to provide; and so on.

　　Credit card business

　　Credit card by whether to have consumer credit (advance) function is divided into credit cards and debit cards. Credit Card Cardholder is according to the issuing bank to pay the reserve for loan card and credit card. Credit Card Cardholder bank granted certain credit limit, does not need to pay the reserve can be in this line for consumption, monthly bank will print a piece of the customers of the consumption of inventory, customers can choose paid in full or part payment, if they choose the latter, were not paid as part of short-term bank loans to compound interest. While prospective credit card is to pay a certain reserve, then the bank to its certain consumer credit is a credit card. A debit card is no overdraft function, but can transfer settlement, access, and consumption Credit cards can also be divided into units card and personal card by the use of object; according to the credit rating is divided into

　　gold and ordinary card.

　　Credit business

　　Due to the current actual situation, the financing of small and medium-sized enterprises, although the central bank has introduced relating to encourage banks to SMEs loan scheme, however, in all banks are strictly controlled, such as CCB Therefore, banks are also put a personal loan, but the bank personal loan business is not directly to the loan to the individual, but with the businessmen signed a protocol, is actually the loan to merchants, and merchants selling to the individual, individual and repayment to the bank. Banks and businesses in the signing of the agreement, review of business documents are complete. While the individual provide income proof, proof of identity and other to bank. The general is to buy the subject matter as collateral, the most common is the chattel mortgage (such as auto loans) and real estate mortgage (such as housing loans).Credit department executes is ce-ns-oring system, is the loan customer development and specific loans, trial

　　3 Summary of Practice

　　3.1 My Feelings to the Practice

　　Through the above summary of practice report, not only I had a more profound understanding to my professional knowledge, but also on the four years of university knowledge consolidation and use. From this practice, I realized that the actual work and knowledge from books is a certain distance, work is to further study. Although this practice business focused on relatively si-mp-le receptionist accounting and international business, however, this let me understand bank accounting procedures, the accounting procedures, and foreign exchange business practice deeper, make me on the banks of the basic business, no longer limited to books, but with a more comprehensive understanding. From this internship, I realized that if we have the knowledge what we learned in the university and more practice together, examine the truth with practice, make an undergraduate have a strong ability to handle basic practices and comparison of systems of professional knowledge, this is the real purpose of our study and practice.

　　3.2 Some of My Points to the Bank

　　Actually the bank is not what I imagine, easy work, the bank staff is very difficult, seemingly si-mp-le work actually contains details of very many, every step you need staff circumspect. But also often in order to finish some work and overtime, but also because China Everbright Bank staffs have a strong sense of responsibility, for his unfinished work will take the initiative to work overtime to complete, although there is no overtime wage reward. That makes me feel Everbright Bank this big family unity and a sense of responsibility, which is particularly important for enterprises. No internal unity, it would be a mess, it is difficult to develop, as long as the internal unity is invincible, even more difficult, as long as the unity, will be successful; and if only the unity and no sense of responsibility, the enterprise is hard in the market economy environment, obtain and competitors of the comparative advantages, cannot reflect a a status of the enterprise market, but also is widely recognized by customers, the development of enterprises will be difficult. And China Everbright Bank now show me is such a unity, responsible for the corporate image, I believe that through the China Everbright Bank staff to make concerted efforts to work, Everbright leadership have farsightedness leadership, Everbright will achieve great advantage to the rival

　　In the bank every colleague and I get along very well, but also learned a lot of things, including on the bank and bank related such as insurance basic knowledge, interpersonal approach, from the customer to talk to high school to social knowledge and experience. I think the practice for college students has the vital significance is also very necessary. Through practice can enrich and perfect their knowledge structure, cultivate the self education, self management and self development ability, will learn the reality and in practice in check, exercise ability and social ability, resulting in the accumulation of social experience and work experience, out of the successful employment of the first step, the state and society make due contributions. I hope this internship experience for after I graduate, job, development path to provide some help, more importantly, I have more confidence with my future success

　　附：银行实习报告

　　转眼间已经结束了在建行的实习。实习过程中我主要从事pos商户的管理和信用卡业务的发展。在为期一个月的实习过程中，经过培训和实际操练，本人熟悉了pos商户管理的基本知识，了解了信用卡业务的发展流程。现对各工作总结如下。

　　pos商户的基本知识

　　在实习过程中，为了更好的了解pos商户的管理知识，本人先从对商户资料的整理中找到相关的经验。通过几天的商户档案整理，我基本了解了pos机业务的基本流程。

　　关于特约商户的管理。如果商户需要申请使用建行的pos机，根据人民银行和银监会对信用卡套现进一步加大管理，创造良好的用卡环境的相关规定，申请安装pos机的商户必须开立对公账户，如果在建行申请开立对公账户，需要准备以下材料：营业执照、组织机构代码证、税务登记证(包括国税和地税)，开户许可证，介绍信，法人代表身份证复印件或委托人身份证复印件，提交完这些手续以后，需出具公司联网公章，根据中国人民银行和银监会的规定确定扣率，签订合同，后续工作人员将做身份核查和征信，之后则要上门安装pos机，并进行现场培训、测试并拍照。所以一整套的商户资料包括：主协议、补充协议、营业执照、组织机构代码证、税务登记证(包括国税和地税)，开户许可证，介绍信，法人代表身份证复印件或委托人身份证复印件，身份核查、信用报告、回访记录、培训记录和照片等。

　　我的工作之一则是将商户档案进行更为系统的整理，同时审核商户资料是否齐备，若不齐备则要进行资料的进一步补充。也正是在进一步补充的过程中，虽然很累，但是却学到了很多商户管理的知识，同时也了解了pos机的'基本使用方法。

　　关于pos机的操作。在进行商户资料补充的过程中会经常遇到商户提出的一些问题，经过跟相关工作人员的沟通和进一步的实践，已基本掌握了pos机的使用方法。由于现在进行pos机一体化升级，相对于老系统，新系统的速度更快，操作更稳定。在新的威尔丰510机型中，开机之后需要签到两次，第一次为系统开机，第二次为连接到网络(和电脑的安全操作原理类似)，待网络连接之后则进行刷卡，并输入金额和密码，大约1~3秒后pos机会自动打印单据，则表明此笔交易成功。需要注意的是一定要让持卡人本人在单据上签名，特约商户有责任和义务配合建行工作人员做不定时的调单工作。新系统相对于旧系统有更强大的功能，如果交易需要撤销，则按5号键撤销，需要再刷一次卡，按绿色确认键，打印出单据之后则表明交易撤销，如需进行交易查询，则在9管理中有查询功能，但是有一个表现不是很满意的地方就是，如果消费次数累计超过200笔不进行结算的话，机子由于储存的数据过多，则可能出现瘫痪的状况，所以在培训的时候要专门强调这一点，提醒特约商户每天进行结算工作。

　　信用卡业务的基本知识(包括信用卡发行和分期业务)

　　为了增强新成立信用卡中心的战斗力，让我们这一批新上岗的员工尽快熟悉工作业务，市分行专门送我们到成都信用卡中心进行相关的培训。在为期三天的培训中，我们主要学习了信用卡的基本知识、发行技巧和营销术语、分期业务的基本流程等，同时跟随有经验的老同事进行了模拟的和实战的演练。通过这次培训，本人熟悉了信用卡的基本知识，对分期业务也有了进一步的了解。

　　信用卡业务。

　　在成都的培训中，我们主要学习了信用卡的基本知识，包括什么是信用卡，以及现在建行的发卡状况。通过学习不难看出，信用卡业务作为银行信贷的衍生物，的确有它存在的价值，满足了持卡人的很多需求。这种以信用为担保而提供小额贷款的方式，对鼓励消费有很大的促进作用，当然这个过程也是和风险紧密相关的，所以规避风险的意识不能松懈。作为培训的核心课程，龙卡汽车卡的介绍当然是重中之重。当下，各种刺激消费的政策纷纷出台，尤其明显与汽车行业，如今，私家车的拥有量越来越高，随之而来的汽车服务也呈现多样化，包括加油站、洗车场、保险等等，纷纷在完善和进步。正是在这样的背景下，汽车卡应运而生。汽车卡是定位在为有车一族提供优质方便快捷服务的基础上的。办理汽车卡，可以享受以下五大优惠：免费洗车、车险投保打折、积分换油、道路救援和特惠租车等。所谓的免费洗车，就是持卡人可以到遍布绵阳各地的与建行签约的特约商户洗车点免费洗车，每周一次;积分换油则是2010年起，汽车卡没消费一元一分，积分永久累计，积分达5万起兑，按1万分的整数倍兑换相应的油;车险投保打折是指通过汽车卡刷卡买保险，可以享受打折的优惠;道路救援就是如果持卡人的车发生故障，则可拨打服务热线，免费享受全国道路救援服务;特惠租车是指持卡人如需异地租车，则可拨打服务热线享受租车价格优惠。且免担保、免押金。这就是建行龙卡汽车卡的基本服务。

　　分期业务。

　　现在绵阳分行的分期业务只针对购车和家装。所谓龙卡信用卡消费分期付款是指持卡人使用龙卡信用卡，在购车或加装时，可选择将商品或服务总金额平均分成若干期，通过建行开通龙卡信用卡分期付款业务功能的pos交易成功后，持卡人将免除或支付相应手续费，在约定期限内按月还款的业务。建行将会根据持卡人的经济状况相应地提高信用额度，一般将按照持卡人的信用额度扩大四倍计算，最高可达20万，持卡人的分期付款期限最短6期，最长为12期，建行将对应不同的分期付款期限，收取一定的手续费但不另外付利息，分期业务的最大优势在于无担保，不需抵押，只需将自身的信用额度过大到满足要求的程度即可。

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