Bank internship report

accounting operations of the accounting department of public accounting (mainly paper business)
is divided into three steps, accounting, review and cashier. Notes about business here mainly refers
to the check, including a note of transfer and cash two checks. Cash checks for handling business,
the first is to examine to see whether the drawer of the chop chop with the bank set aside
consistent way is through the computer Yan Yin, or manually check; look at the case whether they
are consistent, the ticket amount, the voting date, the recipient factors such as whether the altered
checks whether more than prompt payment terms, check whether the overdraft, if endorsed, the
signature endorser compatibility, it is worth the amount of the element of the entire capital to the
sub- can not remember a whole in. For cash checks, accounting clerk, after review and correct
accounting, and then passed to the members of the accounting review, accounting review, after
members recognized as correct, it passed to the cashier, paid in cash by the cashier stamped
Chapter, the recipient can receive the cashier's office cash (cashier reconciliations with the payee
after verbal). (Welcome to the resources you need to find) a note of transfer of the audit of cash a
check with the same content, in dealing with the audit by the accounting bookkeeper bookkeeping,
accounting review staff for review. It should be clear is that a recorded matter of time. Cash
checks and conduct of the Bank a note of transfer payments (such as with the savings bank's
internal contacts, collection and payment are both units of the Bank account) are to be directly
recorded. For the payee, the drawer is not in line with an account of the case, as some
commissioned by the note of transfer of receivables, etc., after clearing before posting, because
county-level branches are not open a bank account in the local people, in the accounting statement
on reflected in the "storage system money," subjects, while in direct contact with the provincial
branches of the central bank only use the "deposit central bank money" account. While we learn
the more we understand the latter. Some subjects, such as "internal exchange" means the
Department of Accounting Department and savings funds transfer, such as wages on behalf of the
enterprise; "storage system funds", saying that the affiliation stored in the lower line of higher
provision for clearing the line, allocation of funds, reserve and so on. And we know that the
"deposit central bank money" is a direct contact with the central bank's provincial branch of the
accounting subjects. Some relatively large amount of money paid (generally greater than or equal
to 5 million) to register a large amount in the registration form and a check sum should be signed
by the accountant in charge only after the draw. "The occasion of the day is morning," the
accounting department as well. Responsible for the accounting bookkeeping work every morning
is the reconciliation of the accounts of yesterday, such as print work preparation, subjects daily
statement, on the general ledger sheet, occurred yesterday and all business on the record for
bookkeeping to balance checks, one correspondence. Start the day before the day to day business,
mainly checks, wire transfers and so on. Before noon, there mention into the clearing, according to
the exchange of netting by a single preparation of special transfers, credit vouchers, etc., check
refund. Afternoon, the home collection to mention other staff check into the review, stamped
"receipt of the arrival of" chapter, to the review staff input computer switching system. In the days
after the close of business conduct day-end processing, printing operations occur in this day of all
relevant documents, reconciliation; print "water rolling gap" to check the accounts of the lenders
today is balance. Finally, rolling off. These printed documents bound by specialized staff up, re-
examined to see whether the subjects covered anti-chapter, there were seamless chapters cover
such as handling personnel, and then binding to the superior line of evidence for audit. Such
accounting would be the end of the day.

savings deposit business sector is now responsible for the implementation of the teller system,
that is, every teller can handle all of the savings business, which accounts, withdraw cash, apply
for savings card, certificate of public services not want to passed between departments, as in
accounting, but separate accounts for each teller processing, accounting. However, the system for
each teller handed over the documents to be responsible for the relevant line of people get audited,
and then passed to the higher line "after the audit."

credit card business credit card according to whether the consumer credit (overdraft) function is
divided into credit and debit cards. Also according to whether the credit card holders pay to the
issuing bank reserves into loans with potential credit card account account card. Credit card
account holders of banks to grant a certain credit limit, no advance payment reserve amount can
be carried out in the consumer, the banks will print a monthly consumption of the customer list of
this month, customers can choose all paid or
pay part, if you choose the latter, some outstanding short-term bank loans as a compound meter.
The quasi-credit card account is to pay a certain reserve, and banks and then grant a certain
amount of consumer credit. There is no overdraft debit card functions, but can transfer the balance
sheet, access, consumption of a card. If the bank's savings Dragon. Credit cards can also be
divided into units by using the object card and personal card; by credit, and for the Gold Card.

credit because the current situation, the SME financing difficulties, despite the repeated
introduction of the central bank to encourage bank lending to SMEs about the program, however,
all banks have strict internal control. CCB is also true. Therefore, the bank is also put into the field
of personal loans. Note that the bank's personal loan business does not lend directly to individuals,
but rather entered into certain agreements with the merchants, in fact, is to lend to businesses,
individuals and businesses to sell goods, the individual payments to the bank . Agreement with the
merchant bank, to review business documents are complete. The individual banks to provide proof
of income, identity proof. Are generally the subject matter of the purchase as collateral, the most
common is the movable property collateral (such as car loans) and real estate mortgages (such as
housing loans). Censoring the credit departments to implement the separation system, is the
development and the specific loan customers, loans, review the possibility of staff loans is division
of responsibilities.

Summary Through this internship, I had their own more detailed and profound professional
knowledge, but also in recent years have universities, the knowledge and application
consolidation. From this internship, I realized the actual work and knowledge of books there is a
certain distance, and the need to further re-learning. Although the practice of business mainly
focused on a total of 2 pages of this article, the current practice in a bank report