Working in a bank requires you to face a variety of customers and have a good working attitude. After working for a while, do you have any insights on your work? The following is the "Brief Insights on Banking Work Experience in 2022" compiled by me for everyone. It is for reference only. You are welcome to read this article. Brief summary of 2022 bank work experience (1)
Participating in the comprehensive teller training at the head office made me personally feel that as a comprehensive teller in a grassroots branch, I should improve my requirements in all aspects. Here, I would like to thank the head office for the careful arrangements and the wonderful lectures of the lecturers, which have significantly improved my understanding of compliance and theoretical foundation. Here are some of my thoughts and experiences:
1. Be a practitioner of compliance operations
Comprehensive sample writing website Compliance operations have always been the responsibility of banks The inherent requirement for the stable operation of the industry is the duty requirement that every employee must perform. It is also the most basic requirement to protect the eight rights of financial consumers, including their right to property security and their right to know. Whether compliance operations are strictly implemented will affect the ability of the entire bank. Whether it can continue to operate healthily. What may seem like minor violations may actually bring us heavy lessons and costs. Rules and regulations cannot be simply talked about, and we cannot relax our vigilance just because some customers are acquaintances. Only by strengthening the study of our own business knowledge, improving our awareness of compliance operations, and keeping the alarm bells ringing can we truly and effectively improve our services. quality.
2. Be a high-quality and civilized service provider
As a financial services industry, banks’ service levels have become an important factor in attracting customers. In this market competition environment, "Building a warm XX bank" proposed by the Provincial Associated Press has become our common sense and is the core competitiveness of our rural commercial bank in providing customers with high-quality and civilized services. We must always stand from the customer's perspective, understand their real needs, solve their actual problems, and provide customers with convenient, warm and high-quality services. We should not hastily explain to customers just for the sake of convenience, making them feel that things are perfunctory and alienating them. heart.
3. Be a pioneer in xx finance
xx finance is the only way for the sustainable development of xx bank. As a grassroots branch, it is necessary to promote the development of financial inclusion and improve the coverage of financial services. rate and customer satisfaction, enhance the people's sense of access to financial services, and provide more open, convenient and warm banking services to urban and rural customers. Since joining the company, the branch president and accountants have not been afraid of the scorching heat, taking the lead in going into villages, visiting households, registering customer information, popularizing basic financial knowledge for farmers, doing a more detailed job of "supporting farmers and small businesses", and strengthening the Farmers’ sense of gain.
4. Be a good scholar who is diligent in learning and thinking well
"Learning without thinking is a waste, and thinking without learning is peril." For the knowledge gained in this study and training, we should apply what we have learned and apply the knowledge we have learned to actual work. We should be an Anxiang who is serious and meticulous in work, enthusiastic and courteous in service, modest and prudent in attitude, and refined in business. Rural commercial banker. A brief summary of bank work experience in 2022 (2)
2022 is approaching the end of the year amid the busy and intense work of all employees of the bank. The end of the year is the busiest time, but it is also the time when we feel most at ease. Because looking back on this year's work, every employee has his or her own gains. Although the division of labor is different, everyone is trying their best to contribute to the development of the industry. The annual work situation is now reported as follows:
1. Pay attention to the quality of business accounting and implement various systems of the People's Bank of China and the head office and branches
Under the organization of the accounting manager, study carefully every morning in meetings System documents, and summarize and revise them in conjunction with daily work. We have always insisted on seeking efficiency from time and quality from work. Consistently above average in terms of accounting numbers. There are no major errors in accounting quality, and they are controlled within x ten thousandths.
2. Strengthen self-management and do a good job in safety precautions
Do not be late or leave early throughout the year, devote yourself to work with a positive attitude, and complete your job and tasks assigned by leaders. In terms of safety precautions, the various official seals and name seals used by tellers in their daily work are strictly stored in the warehouse every day; the important vouchers and cash in their own warehouses can be inventoried at noon and evening, and the accounts are consistent and within the limit. in stock. For the collection of important vouchers and cash in the secondary warehouse, as a treasury accounting teller, we can carefully check and make sure the accounts are consistent; in short, we must take precautions before they happen, and do not make useless efforts to make up for the situation, and strive to make the whole bank The work seeks development in a stable manner.
3. Cultivate your own operational abilities and strive to be the best in various examinations
Under the leadership of the branch accounting department and the branch accounting manager, persist in practicing basic skills, including money counting, keypad and Chinese characters. The three skills of inputting have made rapid progress. In addition, in the quarterly examinations and new employee examinations organized by the branch, an atmosphere of overtaking each other, helping each other, and improving each other was formed among colleagues, and the examination results were always among the top 30. It reflects the spirit of uniting comrades and makes employees feel the warmth of a big family in the industry.
4. Strengthen service quality and improve service concepts
This year, under the organization of the branch accounting department, all tellers and lobby managers of our bank participated in the service quality study of xx Academy. During the learning process, I gained a new understanding of service. After the learning, everyone looked completely new, with neater appearance, more standardized movements, and a more heartfelt smile, which made me more confident in providing services to customers. . In various service quality inspections at the branch, we delivered satisfactory answers with standard and sincere services.
5. Make up for the shortcomings and create new achievements
Looking back on this year’s work, I found that there are still some deficiencies in my work: a more careful attitude and a more friendly approach. The methods are all things I need to improve in my work and study next year.
The above is my work summary for 2022, which I will report to the leaders and employees of the bank. All the achievements in this year only represent the past. I will keep all the lessons and shortcomings in mind and work hard to improve. Work happens day after day, and we believe that “every little bit makes a difference.” With today’s accumulation, there will be tomorrow’s glory. 2022 Bank work experience and insights are brief (3)
Excellence starts from the ordinary, and perfection starts from seriousness. At Hongxin Branch, I am engaged in the most ordinary job - teller of XX Bank. Some people may say that an ordinary teller can't have a career. No, he can also have a brilliant career on the counter. I love this job and regard it as a starting point for my career. As a xx bank employee, especially a front-line employee, I deeply feel the heavy responsibility I shoulder. The counter service is a civilized window that shows the good services of the xx banking system. Therefore, I serve with full enthusiasm, attentiveness, and sincerity every day, and win the trust of customers with my positive work attitude. Among the employees of XX Bank, tellers are the group that directly faces customers. The counter is the window that displays the image of XX Bank. The daily work of tellers may be busy and monotonous. However, when facing all kinds of customers, tellers must be skilled in operations and serve enthusiastically. Day after day, with every bit of thoughtful service, customers can truly appreciate the sincerity of the people of xx Bank and feel the warmth of doing business at xx Bank. This kind of work is extraordinary. I am proud of my position! For Therefore, I ask myself to: first, master excellent business skills and never relax in business learning; second, maintain good professional ethics and abide by national laws and regulations; third, cultivate harmonious interpersonal relationships and be harmonious with colleagues. get along with each other; the fourth is to have a clear understanding of oneself, not to be arrogant in victory, and not to be discouraged in defeat.
Since I started working, I have been based on my position, worked hard, worked hard to learn business knowledge, and consulted experienced colleagues. Only in this way can I truly achieve results that can withstand the test of time. Little things made me deeply realize that as a front-line employee, he is destined to be ordinary, because he cannot block the muzzle of the gun with his blood and blow up the bunker like a soldier charging into the battle, leaving a heroic reputation for the world to spread. You can’t even sow in winter and harvest in summer like farmers do, sowing in summer and harvesting in autumn, there is always a fixed harvest. Some of them just repeat boring operations and complicated tasks such as deposits, withdrawals, account entry, collection and release, marketing and maintenance, and welcome and delivery day after day and year after year. In this ordinary position, I deeply realize that greatness lies in the ordinary. Ordinary people can also contribute, dedicate our enthusiasm, dedicate our sincerity, and dedicate our youth. In the process of serving customers, I always insist on thinking about what customers want, being urgent about customer needs, and eliminating customers' worries, providing customers with all-round, thoughtful, convenient and efficient services, and achieving operational standards and service specifications. , use polite words and behave appropriately, leaving a good impression on customers and winning their trust.
When actually handling business, on the premise of ensuring compliance with our bank's rules and regulations, we must flexibly master marketing methods to provide customers with certain conveniences, and provide customers with personalized and fast services flexibly and appropriately. . On the basis of providing high-quality counter services, we try our best to provide customers with more thoughtful services. Because there are no picky customers, only imperfect services. In my daily work, I actively study new knowledge and new business, combine theory with practice, and master various service skills proficiently. I start from small things. When handling business, I try to be fast, accurate, and efficient, so that customers can wait less, run less, and ask less questions, and provide customers with timely, punctual, regular, and anytime services.
Youth is the most precious time in life, because it is full of ambition and energy, because it dares to venture and do things, and it is full of vitality because it has too many dreams and hopes! But in my opinion, youth is precious It also includes unremitting pursuit and team integration, lofty moral cultivation, and strong will, but also to be able to endure the ordinary, base on the ordinary, and be indifferent. Today, the Agricultural Bank of China has given me a broad platform, and I am also using it like a fire. I dedicated my youth to the Agricultural Bank of China. It is in this alternation of youth that xx Bank is developing step by step. Her clear growth rings will also be deeply imprinted with the imprint of our youth. xx has a famous saying: Promote your career, don't let your career push you. Today I am here just to promote my career, which stems from my pursuit of the value of life and my passion for financial career.
Because I know that as a growing young man, only by organically combining personal ideals with career development can we give full play to our work enthusiasm, initiative and creativity, and realize our own life value in the process of creating a better tomorrow for the Agricultural Bank of China. . Brief summary of 2022 bank work experience (4)
This training has received great attention from the bank leaders, especially in such a hot summer, the president and three people are in charge of accounting business, counter business, credit The vice presidents of business and directors of various departments visited the training center in person to help us quickly understand and integrate into the industry. The speeches of the bank leaders were profound and philosophical, especially the speech of President x on the first day of training. She gave us four sentences, from which I was very inspired.
The first sentence is to continue the lesson of life. She told us and made me feel the change in my role through practical actions. Comrades, the moment I heard her call us this, I understood that I was no longer a student. Academic qualifications are only our value, and ability is our use value. After work, what x behavior pays for us is not the value but the use value. Therefore, she told us to have an empty cup mentality, not to carry the burden of academic qualifications, but to learn business knowledge from veteran employees and improve our own value.
The second sentence is to maintain your passion. Passion is the driving force for work. Without motivation, it is difficult to make progress in work. Life tells us that inspiration can give birth to immortal art, and passion can create extraordinary achievements. Lack of passion and fatigue can lead to nothing.
The third sentence is an open mind. Mentality determines state, state determines behavior, behavior determines results, and results determine life. When you approach work with a positive, optimistic, progressive, sunny, and changing attitude, you will succeed; conversely, when you approach work with a negative, pessimistic, traditional, passive, and rejecting attitude, you will fail. Change what you can change and adapt to what you can't change.
The fourth sentence is to plan life. The journey of life is like taking a train. People with lofty ideals, coupled with talent, diligence, and opportunities are like riding a high-speed train. In a limited life, they will definitely go the farthest and enjoy the most spectacular and majestic scenery; those who work hard can make up for their shortcomings. People will catch a slow train, but if the train drives steadily and for a long time, they will eventually reach a distant place; poor people with short ambitions and thin and long-haired horses can also squeeze into a train, but the train will be extremely slow and will even stop midway. will be abandoned. Which bus do you want to get on, how fast does it go, and what preparations do you need to make. Success favors those who are prepared.
The three vice presidents also gave us a general understanding of the past, present and future development goals of Bank XX from different perspectives, and a preliminary understanding of Bank XX’s market positioning and corporate culture. The leaders and colleagues of each branch also introduced us to the relevant knowledge of commercial banks' customer service, credit business, money market business, and counter operating procedures based on their own work. The leaders and colleagues of the human resources department have also done a lot of work. The training courses are well arranged and the training classrooms are spacious and comfortable. From the initial distribution of employee meal tickets, tableware, and water cups to the advance payment of wages, we have always felt the commercial bank's humanistic care for us.
The x industry is very young, energetic and at a new starting point in historical development. I am honored to join the xx team at this time. Some people say: Small wins depend on individuals, medium wins depend on teams, and big wins depend on platforms. Here, middle and senior leaders are all recruited through competition. On such a platform with relatively simple management standards and interpersonal relationships, it is easier for our new employees to benefit from the mutual development of individuals and the company through our own efforts.
We have not yet entered the workplace, and our understanding of the business is limited to concepts. But through these leaders and colleagues who spoke and taught, I saw a business firm full of hope. With such an excellent management team, clear development goals and accurate market positioning, I believe that in the near future, the commercial bank will be able to achieve cross-regional operations and eventually go public. A brief summary of 2022 bank work experience (5)
With the development of the times and changes in the environment, the banking industry has gradually moved from the financial industry to the service industry. As a counter staff, we should be more aware of to the importance of service. In today's era of rapid development and full of peer competition, service quality is an important reflection of a bank's competitiveness and soft power.
I am a teller who has just joined the banking industry. After x months of internship, I not only realize the necessity of professional skills, but also understand the importance of service. Recently, due to the intensive "card exchange and discounting" work of the "Financial XX All-in-One Card", the bank hall is always full of customers handling business. The arrival of customers brings a little more laughter and a little more "fireworks" in the hall. As a teller, I am both pleased and stressed. I am gratified to see that xx Bank, as a local financial enterprise, is recognized and supported by customers. The hall is full of trust; the pressure is because the processing time of card exchange and related business is longer than that of ordinary deposit and withdrawal services. The processing time is long, which leads to an increase in the average waiting time for customers, and customers will inevitably feel anxious while waiting. Every time I look up and see the customers in the waiting area looking directly at me, I wish I could have the brains and six arms to handle business at the speed of light, so that customers can wait less and be more happy. Since there are no bosses and no speed of light, tellers and lobby managers need to do a good job in diverting customers and soothing their emotions. At this time, good service and effective communication are particularly important.
When communicating with customers, we must put honesty first. Communicating with customers attentively means thinking from the customer's perspective. In addition to bright smiles and polite greetings, more importantly, we are concerned about customers' concerns and solve their problems. The lobby manager takes the initiative to ask customers about the types of business they need to handle, guides business processes such as taking numbers and filling out orders, and promptly diverts customers to shorten customer waiting times; helps customers take care of and comfort their children, hand them a cup of hot drink in winter, and support the elderly. Elderly people, helping them tie their fallen shoelaces, etc. These seemingly insignificant actions are all signs of serving with heart and sincerity. As a teller, in the process of handling business for customers, you must be customer-centered, handle business for customers with a good service attitude and professional skills. Service must pay attention to details. When handling business for customers, one must be good at observing and understanding customers. Only by providing attentive service can one win the respect and understanding of customers. The smile service now advocated is not just an expression. In fact, a smile is an expression of emotion. If we can still patiently and enthusiastically handle business for them when customers complain, and at the same time do a good job of explaining and warming their hearts, I think the customer You can also understand us.
High-quality service is not about being groveling, nor is it simply following rules and procedures. It is about being customer-centered, putting yourself in the customer's shoes, understanding customer needs in a timely manner, and having these needs solved promptly and effectively. , making customers feel valued and respected. When customers finish their business and leave, saying thank you or showing a satisfied smile is an encouragement and affirmation of our service work. For the banking industry, customer demand is the market. Letting customers be the masters of banking products and services, allowing customers to choose and satisfy customers, is the starting point for banks to innovate products and services.
Serve customers with sincerity, serve customers with heart, continuously improve our bank’s soft power and competitiveness, and gain the recognition and dependence of customers. This is the goal of quality service, the goal of corporate development, and more This should be the pursuit that every banker should adhere to their job responsibilities, realize personal values, and practice through actions. Short summary of 2022 bank work experience (6)
Before I had any experience with teller internships, I thought that teller work was just about counting money, stamping stamps, and doing calculations. I didn’t expect that there were many things I didn’t understand in the actual work. , I also understood the challenges faced by teller work. These days of internship have enabled me to gain a lot of useful knowledge. The following is my experience:
The purpose of this internship is to gain a lot of experience through internships in school. Master the basic skills of banking business and be familiar with the operational procedures of daily banking business.
The important thing about internship is to integrate theory with practice. This internship made me deeply aware of the main responsibilities of a teller:
1. Handling external deposits and withdrawals , Interest calculation business, including inputting computer accounting, printing vouchers, passbooks, deposit receipts, receiving and paying cash, etc.;
2. Handling the collection and storage of business cash, and registering the teller's cash register;
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3. Handle the collection and custody of important blank vouchers and valuable documents such as business deposit certificates and passbooks, and register important blank vouchers and valuable documents in the register;
4. Manage Various business seals and personal name seals used at the counter;
5. Handle counter accounts, print accounts, clean up and check the cash on duty and balance important blank vouchers and valuable documents, and collect and inspect Under the supervision of the general teller, the business seal will be sealed together, the handover procedures will be completed, and the vouchers and other accounting information will be handed over to the general teller.
The main businesses we study this semester include personal savings business, loan business, bank card business, education savings business, intermediary business, promissory note, money order business, savings business is relatively simple, opening and closing accounts, depositing and withdrawing cash , you need to understand various current and regular savings products. The bank's savings business is the bank's basic business, and it is mainly targeted at individuals. Savings are mainly personal deposits and withdrawals. There are two types of savings: current savings and regular savings. When opening an account, you need to fill in a current savings deposit receipt containing the deposit date, account name, and deposit amount, and hand the receipt, cash, and personal identity certificate to the bank handler. After the bank's handling personnel review, a passbook will be issued to the customer; if a withdrawal is required with a password or seal, the password must be entered in the prescribed format on the cipher device at the bank outlet.
Education savings refer to special savings for individuals to open an account in a designated bank in accordance with relevant national regulations, deposit a specified amount of funds, and use it for educational purposes. It is a kind of special savings for students to pay for the education funds required for non-compulsory education. Special savings. Educational savings adopt a real-name system. When opening an account, the depositor must hold his or her (student) household registration book or ID card and go to the bank to open a deposit account in the name of the depositor (student). When withdrawing at maturity, depositors need to withdraw the principal and interest in one lump sum with their passbook and relevant certificates. When withdrawing education savings in advance, the full amount must be withdrawn. When withdrawing in advance, if the customer can provide "proof", the interest will be calculated based on the actual deposit period and the account opening date, and the interest rate will be calculated based on the same grade of lump-sum fixed savings deposit interest rate, and the savings deposit interest income tax will be exempted; if the customer cannot provide "proof" , interest will be calculated and paid based on the actual deposit period and current savings deposit interest rate on the date of withdrawal, and income tax on savings deposit interest will be levied in accordance with relevant regulations. Overdue withdrawal: For the portion of education savings that exceeds the original deposit period (overdue portion), interest will be calculated based on the interest rate of current savings deposits on the date of withdrawal, and income tax on savings deposit interest will be levied in accordance with relevant regulations.