Summary is a written material that comprehensively and systematically reviews and analyzes the study, work or its completion in a period. It can help us find the rules in our study and work, so it is very necessary to write a summary. But I found that I didn't know what to write. The following is a summary of my internship at the Postal Savings Bank, which is for reference only. Welcome to reading.

Postal Savings Bank 1 Personal Work Summary I feel very honored that the internship summary of Postal Savings Bank can be accepted by Shanxi Branch of Postal Savings Bank. The moment I signed the tripartite agreement, I knew that I would be a postal savings bank in the future, and I was very excited. Shortly after I got the notice of graduation certificate and degree certificate, I started my internship life.

At present, the Postal Savings Bank has become the largest financial institution covering the dual economy of urban and rural areas in China, with 26 provincial branches, 3 15 local branches, more than 20,000 sub-branches and16,000 business outlets. More than two-thirds of the service outlets of Postal Savings Bank are located in rural areas at or below the county level, which plays a very important role in national economic construction and social development, especially in serving agriculture, countryside and farmers and promoting the construction of new socialist countryside.

Before going to practice, Minister Song of Human Resources gave us a meeting and told us that after work, it would be different from at school. We shouldn't be lazy and leave early. We must work hard and don't let the leaders of prefecture-level cities say that we didn't work hard. At that time, I secretly made up my mind that I must go to work on time during my internship, never be late and leave early, work hard, unite with my colleagues, and humbly ask my predecessors for advice.

At present, the Postal Savings Bank mainly uses the network resources covering urban and rural areas, vigorously develops the retail business and operates the low-risk asset business steadily. Liabilities mainly include RMB deposits and foreign currency business, while assets mainly include agreement deposits, interbank deposits, discount of bond investment bills, syndicated loans, micro-loans and consumer credit. Intermediary business mainly includes remittance business, agency payment, agency insurance, agency underwriting issuance, payment of national debt, consignment of open-end funds, provision of personal deposit certificate service and safe deposit box service.

Gradually, I have a certain understanding and familiarity with the counter business. Cash counter salespersons mainly handle savings business, mainly including current transactions (current account opening, current deposit, current withdrawal and current account cancellation), regular transactions (regular account opening, regular deposit withdrawal and regular account cancellation) and card business (card handling, card saving, withdrawal, card clearing and account cancellation with or without discount). At the same time understand the business process of each business.

Summary of practice in Postal Savings Bank II. Work and business development this week:

1. Accepted 30 small loan business consultations, including 20 telephone consultations and 0 business department consultations 10. Compared with last week, the number of customers coming to our consulting business has decreased, which is because our publicity has weakened in recent days; Some customers think that our repayment method is not flexible, which has caused some adverse effects among the masses.

2. The number of visits by loan officers is 3 per capita, including 2 commercial loans. Five cases were successfully investigated, and 1 commercial loan was successfully investigated, but the customer withdrew the application because the amount did not meet the customer's expectation; The reason why other customers were unsuccessful was that the loan was lent to others, and the business scale did not reach the scale of loan application. This week, a loan officer went to the provincial bank for training, while other loan officers focused on loan collection, and the investigation work was not saturated.

3. Lend 1 1 a loan of 585,000 yuan, and lend 952 loans of 5171.00 million yuan. By the end of June 65438+1October 65438+1October 8, the bank had made 552 loans with an amount of 24,946,200 yuan.

4.* * * Post-loan inspection 18 times, mainly for overdue customers, which fully reflects the customer's business status and provides a basis for further collection by banks.

5. Because we want to offer second-hand housing loans, the municipal bank requires our bank to control the overdue rate below 2%, so our work focuses on overdue collection, and the business promotion work is relatively weak, which has not achieved good results.

Second, the problems existing in business development

At present, the main problem in the development of China's credit business is that the credit line is small and cannot be full.

Meet the requirements of customers with good business conditions and large capital needs; Second, the repayment method is not flexible and the economy is not active at present. Many customers' funds can't arrive on time and can't repay our loans according to the contract. Moreover, some customers are dissatisfied with our repayment methods and collection methods, which has played an anti-propaganda role for surrounding customers and affected our business development to some extent. Third, the business variety is relatively simple, such as no first-hand housing mortgage, car loan and so on. At present, there are many new houses in Nanzhang, and the wages of various units have increased greatly in the past year. There is a big market for real estate and private cars, and our bank has no corresponding loans to meet the needs of these customers.

Three. Work arrangement for next week

In view of the slow business development last week, this week we will intensify our business promotion, focus on business development, actively contact secondary outlets and post sub-offices and go out to develop our business.

1. Further implement the guarantee system for loan officers, and require loan officers to take the initiative to contact the branch presidents and township branch directors of guarantee points to publicize and develop business at outlets.

2. Strengthen the management of overtime classes, clarify the assessment methods, and intensify the assessment to ensure the overtime rate of 2%.

3. Inform the post-loan inspection, and ask the loan officer to take the network development as an opportunity to do a good job in the maintenance and inspection of township loan customers.

4. Organize loan officers to carry out one or two businesses to learn the second-hand housing loan business, and clarify the basic process and publicity points of the loan.

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