I. Introduction to the Practice Unit

Agricultural Bank of China is one of the four state-owned banks and an important part of China's financial system, with its head office in Beijing. In China, Agricultural Bank of China has branches all over urban and rural areas, with strong financial strength and complete service functions. It is not only trusted by customers, but also has become one of the banks in China. Overseas, Agricultural Bank of China has also won a good reputation through its own efforts, and was named one of the top 511 enterprises in the world by Fortune. Chengguan Sub-branch of Ninghai County Sub-branch of Agricultural Bank of China is a business outlet directly under Ninghai County Sub-branch. It has always supported the economic development of Ninghai and played an extremely important role in local economic construction. With beautiful environment and rich financial products, it wholeheartedly provides all-round and high-quality financial services for various enterprises, institutions and individual customers in cities and towns.

second, the practice process

the purpose of this practice is to master the basic skills of banking business and get familiar with the operation process and working system of daily business of the bank through the practice in Agricultural Bank. The practice process mainly includes the following stages:

(1) Understanding the basic situation of the practice unit, organization setting, staffing, etc.

(2) learning the basic business processes and transaction codes of banks, mainly including the following aspects: basic banking skills training, such as counting money, abacus calculation, five-stroke font input, bundling, etc.; Bank's savings business, such as demand deposit, lump-sum deposit and withdrawal, fixed-term and fixed-term convenience, etc.; Bank's corporate business, such as accepting cash checks and issuing bank drafts; Bank's credit card business, such as credit card account opening, account closing, cash deposit and withdrawal, etc.

(3) Understand the accounting methods of banks, the setting of subjects and accounts, and the determination of bookkeeping methods. Distinguish and compare the similarities and differences between bank account and enterprise.

(4) summarize the practice process and complete the practice manual and social practice report.

Third, practical content

Before I formally study banking, I first learned the basic skills necessary for banking work under the guidance of a practical instructor, including counting banknotes, bundling banknotes, abacus calculation, five-stroke input method and the use of numeric keypad. This seems to give me a scare. I thought banking was quite simple, but I didn't find that I had so many basic skills that I couldn't operate. Watching my colleagues count money skillfully is really admirable and envious, but I can only clumsily count one by one. For abacus, at first I couldn't understand why I didn't use a calculator. Isn't it more convenient? Later, I slowly realized that bank tellers often need to check cash to see if the accounts are consistent with the facts. However, there are many types of RMB, which need to be accumulated when counting money. At this time, it is more convenient to use an abacus than a calculator, because the results displayed by the calculator will disappear after a certain period of time.

After a week of "hard training", although I still can't master the basic skills of banking, I have generally mastered the skills. The so-called practice makes perfect, mainly relying on logistics and practice. Then, the practice instructor asked me to learn the savings business. The savings business of this branch office implements the teller responsibility system, that is, each teller can handle all savings business, that is, opening an account, depositing and withdrawing cash, reporting the loss, unhooking, exchanging large and small bills, accepting intermediate business, etc. For each business, I have learned the transaction code and operation flow of its ABIS system, and the business can be mainly divided into two categories: single passbook system and credit card word system. In addition, I also learned about ABIS account rolling and intermediate business account rolling at the end of business, and learned how to print running water, account balance report, sales number table of important blank vouchers and detailed checklist of important blank vouchers, and check whether the summons number is continuous, the amount is accurate and the voucher elements are complete.

In banking practice, it is essential to learn the reconciliation between tellers when they hand over their work every day. During reconciliation, besides checking whether the cash accounts are consistent, we should also check whether important blank vouchers are missing, whether the summons are continuous, and so on. The reconciliation between tellers is also very procedural. Generally, cash is counted first, and then important blank vouchers such as passbooks, bank cards and certificates of deposit are counted.

after a period of study and memorizing the transaction code and operation flow of savings business, I began to learn the accounting business of banks, that is, the business for enterprises. The accounting of the accounting department of public business (mainly referring to bill business) is mainly divided into three steps: bookkeeping, review and cashier. The bill business of Chengguan Branch mainly refers to checks, including transfer checks and cash checks. For handling cash check business, first of all, it is necessary to check to see whether the drawer's seal is consistent with the bank's reserved seal, by means of computer check or manual check; Then look at whether the amount in words and figures are consistent, whether the amount of the ticket, the date of the ticket and the payee elements have been altered, whether the check has exceeded the time limit for presenting payment, whether the check is overdrawn, and if there is endorsement, whether the endorser's signature is consistent. It is worth noting that amount in words can be rounded up to the yuan, but it cannot be rounded up to the minute. For cash checks, the accountant bookkeeper checks them, and then passes them to the accountant reviewer. After the accountant reviewer confirms that they are correct, they are passed to the cashier, and the cashier stamps the cash payment stamp, and the payee can collect the cash from the cashier (after the cashier and the payee verbally reconcile). The audit content of the transfer check is the same as that of the cash check, and the accounting bookkeeper audits the bookkeeping and the accounting reviewer rechecks it.

IV. Gains and Experiences from Practice

This practice has not only given me a certain understanding of the basic business of Agricultural Bank of China, but also enabled me to perform basic operations. I feel that I have gained a lot in other aspects. As I have been living in a simple university campus, this graduation practice has undoubtedly become a platform for me to step into society and laid the foundation for me to step into society in the future.

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 be responsible for the business we handle. If the work that should be completed that day is not completed, the clerk must work overtime; If the money is made by mistake and cannot be recovered, the manager must also be responsible for compensation.

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 know the rules of a job. At this point, I have a deep understanding from my colleagues in the practice unit. For example, some businesses need identification documents. Although customers may be people they know, they will ask the other party to show their documents, and when the other party has something to complain about, they always patiently explain why they have to do so. Now the bank is similar to the service industry, so the work attitude of staff is particularly important, which I have personal experience. At the end of my practice, I have mastered the basic business process, so I occasionally instruct my teacher to let me work in my spare time. Unexpectedly, there are so many details to be paid attention to in seemingly simple business processing, such as: the attitude towards customers, first of all, using honorifics, such as "hello, please sign, please walk slowly"; Secondly, you must stand up and pick up and drop off with both hands when delivering information to customers. Finally, you must patiently answer some questions and inquiries from customers. This makes me realize that what is required in real work is our rigorous and meticulous work attitude, so that we can develop in our own posts.

Finally, I think that after practical work, education is not the most important, but mainly depends on personal business ability and communication ability. Anyone can do any work for a long time, and the practical ability is more important. Therefore, I realize that the real purpose of our practice is to combine what we have learned in college with more practice and test the truth with practice, so that an undergraduate can have a strong ability to deal with basic practice and more systematic professional knowledge.

Fan Wener

1 Introduction

According to the requirements of school graduation practice, I had a five-week graduation practice in xx Branch of Agricultural Bank of China from X to X in 2114. During the practice, with the help of the instructor of the unit, I became familiar with the main economic and business activities of financial institutions, systematically studied and mastered the practical work of bank accounting, and both my theoretical level and practical work ability were tempered and improved. Now I will make a systematic summary of the specific situation and experience of graduation practice.

2 Practice time

2116-X-21—2116-XX-27 * * 5 weeks

3 Practice place

xxx Branch of Bank of China

4 Purpose of practice

To further understand and consolidate the basic theory and knowledge of various finance courses learned during school, and learn to integrate theory with practice.

Through the practice in China Bank, I can meet the social practice requirements of the school. Under the guidance, help and education of the unit instructor, I am familiar with the main economic and business activities of China Bank, and systematically learn the personal financial management and daily business operation procedures of the bank.

Through the practice in China Bank, I learned how to better adapt to the new working environment and correct my attitude towards study and work, so as to lay a firm foundation for better entering the society.

5 Enterprise Profile

5.1 Introduction of China Bank

Bank of China, full name of China Bank Co., Ltd., is one of the large state-owned commercial banks in China. The business scope of Bank of China covers commercial banks, investment banks and insurance fields, and it has holding financial institutions such as Bank of China Hong Kong, Bank of China International and Bank of China Insurance, providing comprehensive and high-quality financial services to individuals and corporate customers worldwide. In terms of core capital, in 2118, Bank of China ranked the 1th in the Banker magazine's "Top 1111 Banks in the World".

Bank of China operates insurance business through its wholly-owned subsidiary Bank of China Group Insurance Co., Ltd. and its subsidiaries and associated companies. Among them, BOC Group Insurance Co., Ltd. and its six branches, BOC Group Life Insurance Co., Ltd., Dongliang Insurance Professional Co., Ltd. and Baoyi Investment Co., Ltd. are owned in Hong Kong, BOC Insurance Co., Ltd. is owned in the Mainland, and Lianfengheng Insurance Co., Ltd. is owned in Macao. Founded in July, 1992, BOC Group Insurance Co., Ltd. operates general insurance business in Hong Kong insurance market, with a wide range of business, and its business volume has been among the top in the local industry for many years.

China Bank is an international commercial bank in China. In 1929, Bank of China established the first overseas branch of China's financial industry in London. Since then, the Bank of China has successively opened branches in major financial centers around the world. At present, China Bank has a network of institutions in 29 countries and regions all over the world, including more than 11,111 domestic institutions and more than 611 overseas institutions. In 1994 and 1995, China Bank became a note-issuing bank in Hongkong and Macau.

On June 1 and July 5, 21xx, China Bank was successfully listed on the Hong Kong Stock Exchange and the Shanghai Stock Exchange, becoming the first A+H state-owned commercial bank. According to the market value as of February 31th, 2117, Bank of China is the fourth largest bank in the world.

5.2 about the business of China Bank

Commercial banking is the traditional main business of China Bank, including corporate financial business, personal financial business and financial market business.

6 Practice process

In this practice process, I can really benefit a lot. I have generally mastered the various businesses of China Bank, become familiar with the operational procedures and working systems of the daily business of the bank, and have a deeper understanding of all the knowledge and theories I have learned about banking objectively. During the practice, I was able to learn with an open mind, work hard, and complete various tasks seriously, and established a good relationship with my colleagues, which was unanimously recognized by employees in the industry.

6.1 Contact customers in the bank lobby to understand and meet their needs

Learn from the lobby manager in the bank lobby. The lobby manager is the link between customers, high-cabinet tellers and account managers. Therefore, first of all, you have to learn counter-related knowledge to better answer customer questions, guide customers to handle related business, maintain lobby order, reduce the workload of tellers and improve overall service efficiency. Etiquette in business mainly includes four contents: answering customers' questions, diverting customers in business, maintaining order in the lobby, and marketing appropriate wealth management products. During this time, I learned how to communicate with customers, how to make customers satisfied with our service, and what's more, I should try my best to help them, such as helping them fill out documents or teaching them how to use ATMs correctly, and answering their questions about wealth management products. As the central bank is raising interest rates in practice, many elderly customers come to the bank to handle the transfer business. For such elderly customers, it is necessary to provide a series of services, such as taking the number, filling in the deposit slip, checking, taking them to the rest area and waiting for them, and taking them to the counter to handle the business. Of course, the most important thing in the process of service is to learn to smile and serve.

6.2 Go to Wuzhong West Road Sub-branch to learn about the basic business and process of the bank.

I work as a teller in the branch, and the teller responsibility system is implemented in the savings business of China Bank, that is, every teller can handle all savings business, that is, opening an account, depositing and withdrawing cash, reporting the loss, unhooking, exchanging large and small banknotes, and accepting intermediate business. Vouchers are handled and accounted by each teller separately. However, the documents made by each teller must be submitted to the person in charge of the relevant line for review first, and then passed to the superior for review. What I want to do is to learn the reconciliation between tellers during the daily handover. In the reconciliation, besides checking whether the cash accounts are consistent, I also need to check whether the important blank vouchers are missing, whether the summons are continuous and so on. The reconciliation between tellers is also very procedural. Generally, cash is counted first, and then important blank vouchers such as passbooks, bank cards, certificates of deposit and so on are counted. Through the contact with the salesman, I also learned about the bank's operation process and savings business. I also learned the trading code and some operation procedures. And understand the significance of supervision and post supervision in the banking system.

In addition, in this process, I also learned some skills such as counting money, typing vouchers, text entry, etc. These are the basic skills of a qualified teller. Although these things were difficult before I contacted them, they were complicated when I first contacted them, but after more contact, I discovered that practice makes perfect. It's not so difficult to practice every day.

at the outlet, I also learned some corporate business. The bill business is the most common in the bank's corporate business. The first step in the bill business is the verification of bills, mainly the verification of seals, and each account opening unit will leave its own seal template in the bank. When verifying the seal, the electronic verification system is first used. If the electronic verification system passes, the corresponding business can be handled. However, sometimes, due to the quality problem of the inkpad or the wrong method when stamping, the seal cannot be verified in the machine. At this time, it is necessary to use manual methods. The manual method is to find out the seal card reserved by the company when opening an account in the bank, then fold off part of the seal on the check and check the rest with the seal card. The most crucial point here is that you can't say it yourself.