銀行實習報告英文版

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銀行實習報告英文版

　　需要運用英語進行銀行實習報告?下面銀行實習報告英文版是小編想跟大家分享的，歡迎大家瀏覽。

銀行實習報告英文版

　　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：銀行實習報告

　　轉眼間已經結束了在建行的實習。實習過程中我主要從事pos商戶的管理和信用卡業務的發展。在為期一個月的實習過程中，經過培訓和實際操練，本人熟悉了pos商戶管理的基本知識，了解了信用卡業務的發展流程�，F對各工作總結如下。

　　pos商戶的基本知識

　　在實習過程中，為了更好的了解pos商戶的管理知識，本人先從對商戶資料的整理中找到相關的經驗。通過幾天的商戶檔案整理，我基本了解了pos機業務的基本流程。

　　關于特約商戶的管理。如果商戶需要申請使用建行的pos機，根據人民銀行和銀監會對信用卡套現進一步加大管理，創造良好的用卡環境的相關規定，申請安裝pos機的商戶必須開立對公賬戶，如果在建行申請開立對公賬戶，需要準備以下材料：營業執照、組織機構代碼證、稅務登記證(包括國稅和地稅)，開戶許可證，介紹信，法人代表身份證復印件或委托人身份證復印件，提交完這些手續以后，需出具公司聯網公章，根據中國人民銀行和銀監會的規定確定扣率，簽訂合同，后續工作人員將做身份核查和征信，之后則要上門安裝pos機，并進行現場培訓、測試并拍照。所以一整套的商戶資料包括：主協議、補充協議、營業執照、組織機構代碼證、稅務登記證(包括國稅和地稅)，開戶許可證，介紹信，法人代表身份證復印件或委托人身份證復印件，身份核查、信用報告、回訪記錄、培訓記錄和照片等。

　　我的工作之一則是將商戶檔案進行更為系統的整理，同時審核商戶資料是否齊備，若不齊備則要進行資料的進一步補充。也正是在進一步補充的過程中，雖然很累，但是卻學到了很多商戶管理的知識，同時也了解了pos機的'基本使用方法。

　　關于pos機的操作。在進行商戶資料補充的過程中會經常遇到商戶提出的一些問題，經過跟相關工作人員的溝通和進一步的實踐，已基本掌握了pos機的使用方法。由于現在進行pos機一體化升級，相對于老系統，新系統的速度更快，操作更穩定。在新的威爾豐510機型中，開機之后需要簽到兩次，第一次為系統開機，第二次為連接到網絡(和電腦的安全操作原理類似)，待網絡連接之后則進行刷卡，并輸入金額和密碼，大約1~3秒后pos機會自動打印單據，則表明此筆交易成功。需要注意的是一定要讓持卡人本人在單據上簽名，特約商戶有責任和義務配合建行工作人員做不定時的調單工作。新系統相對于舊系統有更強大的功能，如果交易需要撤銷，則按5號鍵撤銷，需要再刷一次卡，按綠色確認鍵，打印出單據之后則表明交易撤銷，如需進行交易查詢，則在9管理中有查詢功能，但是有一個表現不是很滿意的地方就是，如果消費次數累計超過200筆不進行結算的話，機子由于儲存的數據過多，則可能出現癱瘓的狀況，所以在培訓的時候要專門強調這一點，提醒特約商戶每天進行結算工作。

　　信用卡業務的基本知識(包括信用卡發行和分期業務)

　　為了增強新成立信用卡中心的戰斗力，讓我們這一批新上崗的員工盡快熟悉工作業務，市分行專門送我們到成都信用卡中心進行相關的培訓。在為期三天的培訓中，我們主要學習了信用卡的基本知識、發行技巧和營銷術語、分期業務的基本流程等，同時跟隨有經驗的老同事進行了模擬的和實戰的演練。通過這次培訓，本人熟悉了信用卡的基本知識，對分期業務也有了進一步的了解。

　　信用卡業務。

　　在成都的培訓中，我們主要學習了信用卡的基本知識，包括什么是信用卡，以及現在建行的發卡狀況。通過學習不難看出，信用卡業務作為銀行信貸的衍生物，的確有它存在的價值，滿足了持卡人的很多需求。這種以信用為擔保而提供小額貸款的方式，對鼓勵消費有很大的促進作用，當然這個過程也是和風險緊密相關的，所以規避風險的意識不能松懈。作為培訓的核心課程，龍卡汽車卡的介紹當然是重中之重。當下，各種刺激消費的政策紛紛出臺，尤其明顯與汽車行業，如今，私家車的擁有量越來越高，隨之而來的汽車服務也呈現多樣化，包括加油站、洗車場、保險等等，紛紛在完善和進步。正是在這樣的背景下，汽車卡應運而生。汽車卡是定位在為有車一族提供優質方便快捷服務的基礎上的。辦理汽車卡，可以享受以下五大優惠：免費洗車、車險投保打折、積分換油、道路救援和特惠租車等。所謂的免費洗車，就是持卡人可以到遍布綿陽各地的與建行簽約的特約商戶洗車點免費洗車，每周一次;積分換油則是2010年起，汽車卡沒消費一元一分，積分永久累計，積分達5萬起兌，按1萬分的整數倍兌換相應的油;車險投保打折是指通過汽車卡刷卡買保險，可以享受打折的優惠;道路救援就是如果持卡人的車發生故障，則可撥打服務熱線，免費享受全國道路救援服務;特惠租車是指持卡人如需異地租車，則可撥打服務熱線享受租車價格優惠。且免擔保、免押金。這就是建行龍卡汽車卡的基本服務。

　　分期業務。

　　現在綿陽分行的分期業務只針對購車和家裝。所謂龍卡信用卡消費分期付款是指持卡人使用龍卡信用卡，在購車或加裝時，可選擇將商品或服務總金額平均分成若干期，通過建行開通龍卡信用卡分期付款業務功能的pos交易成功后，持卡人將免除或支付相應手續費，在約定期限內按月還款的業務。建行將會根據持卡人的經濟狀況相應地提高信用額度，一般將按照持卡人的信用額度擴大四倍計算，最高可達20萬，持卡人的分期付款期限最短6期，最長為12期，建行將對應不同的分期付款期限，收取一定的手續費但不另外付利息，分期業務的最大優勢在于無擔保，不需抵押，只需將自身的信用額度過大到滿足要求的程度即可。

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