工作总结之银行实习总结英文Word文档格式.docx

工作总结之银行实习总结英文Word文档格式.docx

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1introductionofchinaeverbrightbank

1.1background

chinaeverbrightbankwasbuiltinaugust1992,isthenationalstate-controlledjoint-stockcommercialbanks,isgovernedbychinaeverbright（group）corporation,thechinaeverbrightltd,theasiandevelopmentbankandothernearly130foreignshareholdersunitsbecomingshareholders,asthefirstinternationalfinancialorganizationsharesofthebank.chinaeverbrightbankhasasolidfinancialstrength,distinctivefeaturesoftheownershipstructure,perfectmanagementsystem,reasonablelayoutofthenetworkofinstitutions,advancedelectronicbusinesssupportsystemandstandardizedmanagementsystem.ithasbeenratedasoneofthebestprofitofbankinchina,theworlds1000largestbankranked210thplace.

sinceitsinception,withchinasfinancialindustrydevelopmentprocess,chinaeverbrightbank,thepioneeringandinnovative,forgeahead,forthecommunitytoprovidequalityfinancialservicesatthesametime,achievedgoodoperatingresults,inthecomprehensivemanagement,business,internationalbusiness,financialservices,cultivateastrongcomparativeadvantage,basicformationofthemainbusinesslinesofbalanceddevelopment,retailbusinesscontributionspendsceaselesspromotion,riskmanagementandgraduallyimprove,innovationcapabilityisenhancedoperatingpattern.

attheendof2010,chinaeverbrightbankhadloanofabout5.83billon,2.3lessthantheyear;

non-performingloanrateof0.75%,dropped0.5percentagepointsthanlastyear;

creditprovisioncoveragerateis313.38%,increaseby119.39percentagepointsthanlastyear.assetqualityimprovedsignificantly,theabilitytowithstandriskssignificantlyimproved.

in2010,chinaeverbrightbankcompletedipocorecapitaleffectivelysupplement..attheendof2010,thecapitaladequacyratefor11.02%,increaseby0.63percentagepointsthanlastyear;

thecorecapitaladequacyratiois8.15%,1.31percentagepointshigherthanlastyear.

byvirtueofexcellentinnovationcapabilityandexcellentperformance,china

everbrightbankwonthetoptenchinesebanks,bankoftheyearsmostinnovativeandotherhonoraryawards;

sunsignbusinessfinancialmanagementwasratedasthepeoplesmostrecognizedfinancialbrand,themostpopularfinanceproduct.

1.2organizationstructureofthebank

chinaeverbrightgroupconsistsofchinaeverbright（group）corporationandchinaeverbrightgrouplimited（hongkong）managementinsideandoutsidethebusiness.thehighestdecision-makingbodyforthegroupboardofdirectors,bythestateauthorizedinvestmentgroup,operatingstatemanagementofstate-ownedassets.partycommitteeofgroupplaysthepoliticalcoreroleinthegroup.groupsupervisorsappointedbythestatecouncil.

atpresent,groupinchinawhollyowned6enterprises,holding2company,share7enterprises,jointventure1,includingthechinaeverbrightbank,chinaeverbrightsecuritieslimitedbyshareltd,sunlifeeverbrightlife-insurancecompanyandchinaeverbrightinvestmentmanagementcompaniesandotherfinancialinstitutionsandenterprises.everbrightholdingsinhongkong,chinaeverbrightinternational2listingcorporation,37fullyownedcompany,jointventureandassociatecompanies.chinaeverbrightholdingcompanylimitedwasestablishedinhongkongin1983.itacquiredseverallistedcompaniesandrestructuredtoformchinaeverbrightlimitedandchinaeverbrightinternationallimited.chinaeverbrightlimitedwaslistedonthehongkongstockexchangein1997.

thecompany,throughitssubsidiariesandassociates,isprincipallyengagedininvestmentactivitiesandtheprovisionoffinancialservices.priorto2002,everbright

hadnoassetmanagementdepartment.mr.guoyou,theceoatthetimesetagoaltomakeeverbrightoneofchinaspremierinvestmentfirms.now,everbrightconductsitsbusinessactivitiesinthreeareas:

short-terminvestments,financialservicesandlong-terminvestmentsplusotheroperations.thecompanyprovidesportfoliomanagementservicesforinstitutionalandindividualclients,suchaschinaeverbrightdragonfund.thefirstserethatwaslaunchedin2004inajointventurewithseagateglobaladvisors,llcprovidesfinancialadvisoryservices,suchasshareplacements,mergersandacquisitions（ma）,privatizationandprojectfinancing.2practiceinthechinaeverbrightbank

2.1workasamanager

asamanagementdepartmentofchinaworldtradecenterprofessionalcollegestudents,ialwayslookforwardtohavingtheopportunitytobanking,securities,insuranceandotherfinancialareasofthecompanytopractice.thislong-awaiteddreamcameinthesummerofthisyeartoachieve:

inchinaeverbrightbanksummerintern.althoughthepracticeisonlyashortperiodofonemonth,butintheknowledgeoffinance,banking,corporatemanagement,givemeaprofoundpracticecourse.inparticular,eachdepartmentmanageronmyguidancewithcaring,letmefeelthebeautyandwarmthofthebigfamily,iwasfullofgratitudeandadmirationonthebankofchina!

theinternshipworkasamanageronduty,theworkinvolvedthebasiccontent.teachcustomertoaccount,fillinthedocuments,theforeignexchangeprogram,tothepublic,theprivatebusinessguide.andtogivecustomersthedepositloanadvice,introducescustomerfinancingchannels,toprovidecustomerswithfinancialinformation.alsoteachclientshowtouseatm,automaticpaymentmachine,onlinebankingusingmethodandsoon

especiallyfillintheforms,theeverbrightbankasasmallcommercialbank,unlikeinagriculture,engineering,construction,pay,aswellasruralcreditcooperatives.itandothersmallbankssuchasbankofningbo,bankofthepeopleslivelihoodofsomeaspectsofthepreferentialpolicies,namely:

becauseoftheiruseisthebank

clearingsystem,thechinaeverbrightbankaccessinningbobankcardmoneywithouttheneedtopaythefee,thecostforcustomerstopaybyabank.inaddition,thetransfertogotothe5majorstate-ownedbanks,arerequiredtofilltheuswsingleforinter-citytransfer,needtofillinstrangelandtransfer;

withthechinaeverbrightbankmoneytransfersbetweenthereisnoneedtofillinaform.asfortheother,suchasdebitcardsforbusiness,lossandunlockpassword,arerequiredtofillintheformbelow.andguidecustomerstofilloutaformandhelpcustomerstotake,ibecameapartofthework

theeverbrightbankcultureistheconceptofservicewithasmile.foreverycustomertocomeandrequesttoenthusiasticwelcomeandtreats,especiallyinsomeoldercustomersarethefinancialdetailsofslowlynottomindtakingthetroubletotheenterprise,towinabetterreputation,anotheristhebankrelatedbusinessfundsforeverycustomereffort,wemusttooursustenanceandtrustisresponsibleearnestly.thebankrequiresnotonlyourcustomersforeveryoneofallwithasmile,everyoneoftheircolleaguesistocarefor,careabout.commendableisthecolleaguetoeverycustomerrequirementsthingswillbeontheheartandseriously,andtheworkofallhasagoodhabitoffrugality,dontwaste.everymorningwhenthemorningisasummaryofthedaysworkandcheckeachothersappearance,andthentoanewstateofmindandbegantolookforadayswork.ithinknomatterwhatabusiness,ifhavegoodcorporateculture,employeeshaveapositivemood,thentheenterprisedevelopmentwillbeontheupgrade,alsoistheplacewheremorepeopleyearnfor.

2.2somebasicbusinessofthebankthatitouched

savingsbusiness

thesavingsdepartmentimplementsatpresentisthecabinetresponsibilitysystem,eachtellercanhandleallofthesavingsbusiness,thatistoopenanaccount,accesstocash,savingscard,certificatedidnotwanttocorporatebankingservicesdepartmentsdidinaccountingbetweenthetransmission,buteachtelleraloneaccountsprocessing,bookkeeping,andproduceddocumentsmustbehandedovertotherelevantpersoninchargeoftheauditwithinthelinefirst,andthenpassedtothesuperiorlineofpostaudit.

thebankaccountingsettlementbusiness

bankaccountingwiththebankappearandbornatthesametime.thebankeverybusinessoperationprocess,isalsothebankaccountingoperations,accountingprocess,mustrealizethroughaccountant.thatistosay,thebankaccountingprocessisspecificforthebankingbusinessandtherealizationofthebasicfunctionsoftheprocessofbank.

bankaccountingisnotonlytheimportantbasicworkforbanks,andcanobjectivelyreflecttheoperationofbanks,accountingandsupervision,andbankaccountingofthesethreefunctionscanalsobecounter-productiveinthebanksoperations,theyarecomplementarytoeachother.inthebankofpracticeamonth,hastolearnhowtoopenabasicdepositaccount,temporarydepositaccount,ageneraldepositaccount,andthedifferentaccountsrequiredifferentdata;

howtohandlethesettlementaccounthousehold,howtohandletheincrease.

inthesettlement,ilearnedvariousinstrumentsofliquidationandtransferprocedures,includingbankdraft,commercialbankdraft,promissoryandnotes,althoughthesenotes,thetransferringprocedureandliquidation,intheinternationalsettlementandfinancialaccountingandothercoursesarelearnedandmasteredveryskilledintheuniversity,butrealoperationandisbntheoreticalknowledgeisstillverydifferent.intheactualoperation,thebankaccountingisnotonlyknowntothedraft,promissorynotesanditems,butalsotoacceptthebillauditmattersdidnotleak:

billispromptpaymentterms;

thebillpayeeorrecordedwhetherindeedtheholderunitsorindividuals;

theamountofwritingconsistency,bankdraftan