1、Executive SummaryI. Internships profile Chengdu Bank, founded in December 30, 1996, the former Chengdu 44 urban credit cooperatives founded Chengdu Urban Cooperative Bank, Department of Sichuan Province, the first city commercial banks. October 28, 2008, approved by the China Banking Regulatory Comm

2、ission, the Bank of Chengdu in the Chengdu City Commercial Bank officially changed its name to mark the beginning of the line development by local banks to regional banks, national bank. At the same time, Bank of Chengdu continuous joined this 2007 Global Commercial Banking 1000 , 2007 top 300 Asian

3、 banks , 2007 China Banking 100 comprehensive strength rating of the authority of international commercial banks.II.Internship process The purpose of this internship is to master basic banking skills through internship in Chengdu Bank, familiar with the day-to-day banking business operating processe

4、s and work systems. The internship process includes the following phases:(A) for internships and institutional setup, staffing and so on. (B) learn the basic banking business processes , including the following areas: banking savings business , such as demand deposits , Lump fixed- two will be ; ban

5、k of public services, such as accepted cash a check issued by bank draft ; credit card business , such as credit card account opening an account, cash access , etc.; the business of LaSalle ; loan business . (C) Knowledge of bank accounting method, subjects set the account settings, accounting metho

6、ds to determine. (D) Summary of internship after, and fill out the the internship identification table, write a practice report.General rules and regulations of the Chengdu Agricultural Bank of China is quite comprehensive. It explicitly provides for the operating specifications and codes of conduct

7、 of the staff. Followed left me with the most profound impression that the role of modern banking in the everyday lives of people is not limited to savings and lending at the same time, modern banking services related to all aspects of peoples lives, pay the insurance charge the bill, pay the ticket

8、 , buy funds, stocks, foreign exchange , financial . exaggerate the point is you cannot think , no bank cannot .Below to talk about my work experience in Chengdu Bank, the first few days is mainly behind the instructor to read and the instructor how the specific operation, looked about three days to

9、 learn about the full set of processes of the bank counter service, the Agricultural Bank of China have : non-staff are not allowed to operate , and I am a non - Bank of Chengdu , is not exposed to cash . The beginning of my task is to guide customers to fill out a form similar to the lobby manager.

10、Then, I began to learn the savings business. Now, the savings business of the Agricultural Bank of China to implement the teller is responsible for system is that each teller can handle all of the savings business , that is to open an account , cash access , report the loss , the solution linked , t

11、he size of the banknote exchange , accepted the intermediary business . The certificate is no longer as the public business sector as to pass between the accounting, but each teller a separate account processing, and accounting. However, documents of each teller system should be handed over to the p

12、erson in charge of the relevant line first audit, and then passed to the higher life after the audit. Daily handover between learning teller reconciliation is essential to the reconciliation in addition to to check the cash accounts and are consistent with, but also view important blank vouchers are

13、 missing, subpoena, whether continuous and so on. Teller between reconciliation is also useful program generally will be counting the cash, and then an inventory of crucial gaps in credentials such as passbook, bank cards, certificates of deposit. After three days of learning, I started learning the

14、 business of the banks accounting. That is for the companys business. The accounting department of accounting of public business (is referring to the bill business) is divided into three main steps, accounting, review and cashier. Said the bill business predominantly refers to the checks, including

15、two kinds of note of transfer and cash checks. For cash check business is being audited, see the seal of the drawer seal in line with the bank set aside , is through the computer Yan Yin , or manually check ( my internship bank equipment is not quite keep up with advances in technology also uses a m

16、anual check ); look at the case are the same amount , whether the altered amount of the ticket , the ticket issue date , payee elements , check whether it has been more than prompt payment terms , check whether the overdraft , if the endorsement , the endorsement shall be signed are consistent , is

17、worth noting that capital amounts to the whole , to the sub , you cannot remember the whole . Cash checks , accounting, bookkeeping , audit and correct accounting , and then passed to the Members of the accounting review , Members of the accounting review is recognized as correct , it is passed to t

18、he cashier , the cashier stamped cash paid , the payee can be the cashiers office to receive cash ( cashier reconciliation with the payee orally ) . Note on transfer of audio content is the constant cash checks, handling audited by the accounting bookkeeper accounting review of the members of the ac

19、counting review. Here is a recorded time. Cash checks and payment behavior Bank note of transfer (such as the internal dealings of the savings bank, cash the two sides units Bank account) are direct credit. Note of transfer is not the payee , the drawer with a line to open an account , as some commi

20、ssion collection , etc. , after clearing can be accounted for , the county-level sub-branches are not open an account in the local Peoples Bank of accounting loss reflected in the money subject stored within the system , while the provincial branches in direct contact with the central bank balances

21、with central banks subject . As a better understanding of learning in school is the latter. There are a number of subjects such as internal transactions refers to the accounting department and the transfer of funds of the savings department , such as generation of enterprise wages ; storage system m

22、oney refers to the lower line of the affiliation stored in a superior line of liquidation provision for allocation of funds , deposit reserve . We are familiar with the balances with central banks is used by the provincial branch of the direct contacts with the central bank accounts. Relatively larg

23、e amount of monies paid (generally greater than or equal to 5 million) to register a large amount in the registration form and a checksum should be paid by the accounting officer signing. Bank is the lending operations. Due to the actual current situation, the financing of SMEs, despite the central

24、bank has repeatedly introduced a program to encourage bank lending to SMEs, however, are strictly controlled within each bank. Agricultural Bank of China is also true. Therefore, the bank besides invested the field of personal loans. Should be noted that the banks personal loan business is not direc

25、tly lend to individuals, but to enter into certain agreements with the business, in fact, is to lend to businesses, then businesses sell their goods to the individual, personal repayment to the bank. Bank signed an agreement with the business review business documents are complete. Individual provid

26、e the applicable proof of income, identity to the banks. Are generally as collateral to purchase the subject matter, the most common is the chattel mortgage (such as car loans) and real estate mortgages (such as housing loans). The credit departments is loan approval separation system, that is, loan

27、s to clients to develop specific loans to the audit staff of loan possibilities to carry out their duties.I think there should be a strong team of reform in the reform, the establishment of an effective incentive and restraint mechanisms, the mechanism of competition and pay assessment mechanism, ab

28、le to mobilize the enthusiasm of people. Reform pay attention to the principle of cost-effective, and also pay attention to Zequan Li principle of combining.III.Summary The paper come says, must know that this practice is essential. In the short-term internship, I deeply feel their superficial knowl

29、edge and lack of expertise in the practical application of the beginning period of time, are unable to start some work, at a loss, it makes me feel extremely sad. At school always consider learning, once exposed to the actual, only to find that they know is how little, and then truly comprehend the meaning of “