黄心悦 高盛北京办公室，投资银行部经理 家乡: 深圳 毕业院校: 香港大学经济与金融专业学士 个人爱好： 舞蹈、普拉提、旅游 我的高盛职业生涯 我毕业于香港大学经济与金融专业。受到父母从事证券及企业融资行业的影响，我自中学时期就经常听父母谈论投资和股市，对此 产生了浓厚的兴趣，因此大学选专业和就业的时候都优先考虑了金融，加入了投资银行。 作为金融专业的学生， 高盛这样的国际领先投行无疑是职业生涯的理想起点 。我对高盛的具象化了解来自校友宣讲会。通过校友 们分享在高盛暑期实习的经验，了解到高盛 不仅在各金融业务领域表现出色，也很注重人才的培养和企业文化的传承 。同时，我 也认识到暑期实习项目是一个学习工作技能、锻炼自身能力的好机会，因此我积极申请，也很幸运地通过了面试，获得了 2018 年 暑期在高盛香港办公室研究部的实习机会。实习结束后，我正式加入了 研究部 ，在大中华区科技行业组担任分析师。 转岗机会来临 2021 年，我从研究部转到了投行部工作，工作地点也从香港调动至北京。在研究部工作两年后，我开始思考股票研究是否符合自 己的长期职业规划。在苦恼之际，我偶然和一位在北京投行部工作的校友同事交流，从他的分享 ...

Core Viewpoint - Agricultural Bank of China (ABC) demonstrates a commitment to customer service through a heartwarming story involving a senior citizen who faced difficulties accessing medical reimbursement due to a forgotten social security card password [1][2] Group 1: Customer Service - ABC's Jinan Diao Town Branch staff organized a home service team to assist an elderly customer who was unable to visit the bank due to health issues [1] - The staff provided professional assistance and patiently explained the password modification process to the elderly customer's family [1] - The successful modification of the social security card password allowed the elderly customer to access much-needed medical funds, highlighting the bank's dedication to customer needs [1] Group 2: Company Values - The incident reflects ABC's core service philosophy of "customer first," emphasizing the importance of genuine care and responsibility in financial services [1] - The bank aims to continue providing heartfelt service to every customer, spreading warmth and support to more individuals in the community [2]

Group 1 - The core viewpoint of the article highlights the efficient service provided by the bank, which resolved a payment issue for a construction materials company in just ten minutes, showcasing the bank's commitment to customer service [1][2] - The construction materials company faced a delay in payment due to an error in the recipient's account number, which was quickly identified and rectified by the bank's staff [1] - The bank's proactive coordination and effective communication with the recipient's bank led to a swift resolution, demonstrating the importance of inter-bank collaboration in financial services [2] Group 2 - The incident reflects the bank's "customer first" service philosophy, emphasizing the importance of addressing corporate needs promptly and effectively [2] - The bank aims to continuously optimize service processes and improve emergency response efficiency to support businesses in their operations [2] - The bank's actions are aligned with its mission to provide quality financial services that support the real economy [2]

Core Insights - The article highlights the importance of customer service in addressing urgent banking needs, particularly in relation to account transfer limits [1][2] - The proactive approach taken by the bank's staff not only resolved the customer's issue but also enhanced customer satisfaction and loyalty [2] Group 1: Customer Service Response - A customer, Ms. Zhang, faced a limitation on her account that restricted her from transferring 200,000 yuan, as the daily transfer limit was only 100,000 yuan [1] - The bank staff quickly identified the issue and explained that the limit was a default setting that could be adjusted through a mobile banking application [1] - Despite Ms. Zhang's attempts to increase the limit via the app, the system indicated a processing time of 1-5 business days, which was not feasible for her urgent needs [1] Group 2: Management Action - The operations supervisor took immediate action by verifying Ms. Zhang's account status and transaction history, confirming there were no risks involved [2] - The supervisor guided Ms. Zhang in preparing necessary documentation to validate her transfer request and suggested alternative solutions to alleviate her immediate cash flow issue [2] - After confirming all details, the supervisor expedited the limit increase request, which was successfully processed before the end of the day, allowing Ms. Zhang to complete her transaction [2] Group 3: Service Improvement Initiatives - The incident prompted the bank to reflect on its service optimization strategies, emphasizing a customer-first philosophy [2] - The bank plans to enhance communication regarding transfer limits and adjustment processes through various channels to better inform customers and reduce confusion [2] - The goal is to provide more thoughtful and efficient service, ultimately improving the overall customer experience [2]

Core Points - The article highlights a situation where a merchant faced a payment system failure during peak business hours, which was promptly addressed by the bank's staff, showcasing the bank's commitment to customer service [1][2]. Group 1 - The merchant, Mr. Li, experienced a malfunction with the payment QR code and broadcasting device during a busy evening, which could significantly impact his business [1]. - Upon receiving the call for help, the bank's staff immediately abandoned their rest to assist the merchant, demonstrating a strong commitment to customer service [1][2]. - The issue was identified as a payment limit being exceeded, which caused the system to malfunction. The bank staff helped resolve the payment issue and informed the merchant about adjusting the payment limit to prevent future occurrences [1][2]. Group 2 - After the bank's intervention, the payment QR code and broadcasting device were restored to normal functionality, alleviating the merchant's concerns [2]. - The bank's quick response not only resolved the immediate issue but also reinforced its "customer first" service philosophy, emphasizing the importance of understanding and addressing merchants' operational needs [2]. - This incident illustrates the bank's dedication to providing timely and effective financial services, thereby strengthening the relationship between the bank and its merchant clients [2].

Core Viewpoint - The article emphasizes the commitment of the China Construction Bank (CCB) Jinan Ming Shi Hao Ting branch to providing exceptional customer service, particularly during non-working hours, showcasing a dedication to addressing urgent customer needs with sincerity and professionalism [1][2]. Group 1: Customer Service Approach - The bank's service philosophy is reflected in its proactive response to customer emergencies, such as assisting an elderly customer whose ATM card was swallowed, demonstrating a commitment to customer safety and reassurance [1]. - CCB has established an elastic response mechanism to handle urgent requests even after hours, ensuring that staff provide emergency guidance and follow-up services for unresolved issues [2]. - The bank has implemented a tracking service for issues that cannot be resolved immediately, maintaining a record and assigning personnel for follow-up, which enhances customer trust and satisfaction [2]. Group 2: Special Initiatives for Vulnerable Groups - CCB has introduced age-friendly initiatives, including using local dialects for communication with elderly clients, simplifying processes, and providing convenient facilities like reading glasses [2]. - The bank has created a "Warm Service Station" at its branches, equipped with amenities such as umbrellas and charging devices, to extend its care beyond traditional financial services [2]. - Regular business scenario drills are conducted to enhance staff's emergency handling capabilities, ensuring that the bank's service remains efficient and responsive [2]. Group 3: Commitment to Community - CCB Jinan Ming Shi Hao Ting branch aims to be a trusted financial haven for community residents, balancing efficiency with warmth and professionalism with kindness [2]. - The bank's commitment to "financial services for the people" is evident in its efforts to build lasting relationships with customers, reinforcing the importance of trust in financial services [2].

Core Points - A touching incident occurred at Agricultural Bank of China (ABC) Jinan Lixia Yulan Square branch, where staff promptly assisted an elderly customer who felt unwell during her visit [1] - The branch demonstrated a strong commitment to customer service, particularly for vulnerable groups such as the elderly, by providing immediate medical assistance and support [1] Summary by Sections - **Incident Description** - An elderly customer experienced discomfort while conducting business at the bank, prompting the branch manager to call for assistance [1] - Staff quickly gathered to help, with the branch head checking on the customer's condition and assisting her with her medication [1] - **Customer Background** - The elderly customer had a history of heart disease and did not have her mobile phone with her [1] - Bank employees contacted her son to inform him of the situation, as he was unable to come to the branch immediately [1] - **Response Actions** - The staff coordinated to wait for the customer's caregiver to bring medication and called emergency services to ensure her safety [1] - Medical personnel were provided with detailed information about the customer's condition for effective treatment [1] - **Customer Feedback** - The customer later called the branch to express her gratitude for the timely assistance, and her son praised the staff for their attentive service [1] - **Service Philosophy** - ABC Jinan Lixia Yulan Square branch emphasizes a "customer first" service philosophy, focusing on the financial needs of special customer groups, particularly the elderly [1] - The branch plans to continue providing professional and compassionate service to all customers in the future [1]

Core Viewpoint - The article highlights a customer service scenario at Agricultural Bank of China, showcasing the bank's commitment to customer satisfaction through a detailed account of a customer depositing a large amount of coins, which took over three hours to process [1] Group 1: Customer Service Experience - A customer arrived at Agricultural Bank of China with a large bag of coins for deposit, prompting immediate action from the staff [1] - The bank staff, including a teller and a lobby manager, worked diligently to manage the situation, ensuring that other customers were informed and comfortable during the wait [1] - The entire process took three and a half hours, emphasizing the bank's dedication to providing thorough and patient service [1]

Core Insights - This summer, over 2,600 interns joined Goldman Sachs across 45 global offices, representing more than 500 universities and speaking over 85 languages [1] - The internship program aims to provide interns with substantial business understanding, teamwork experience, and relationship-building opportunities [1][7] - David Solomon, the CEO, shared career advice and expectations for the interns, emphasizing the importance of customer focus and teamwork in the financial industry [2][6] Summary by Sections - **Internship Overview** - The internship program includes 2,600 interns from diverse backgrounds, with 215 in the Asia-Pacific region [1] - Interns are encouraged to actively participate and engage with their teams to gain insights into the company and its operations [8] - **CEO's Message** - David Solomon expressed excitement about the new perspectives interns bring to the firm and shared key principles for a successful internship experience [5][6] - The message highlights the importance of collaboration, curiosity, and striving for excellence [6][8] - **Key Principles for Interns** - Engage meaningfully in team meetings and view each day as an opportunity to learn [8] - Ask questions and listen to colleagues to absorb valuable insights [8] - Collaborate with team members, emphasizing collective success over individual efforts [8] - Pursue excellence and avoid settling for less than the best [8] - Enjoy the journey and pace oneself, recognizing that this is just the beginning of a long career path [8] - **Future Opportunities** - Applications for Goldman Sachs' 2026 summer internship and full-time programs are currently open [10]

"团队合作" 促进各部门协同工作，公司通过组织团队建设活动，增强团队凝聚力。"创新发展" 鼓励员工勇于创新，为企业发展注入活力。 在企业文化引领下，员工工作积极性高，企业氛围良好。这种企业文化力量，使名信嘉品在发展中保持强大动力，不断突破自我，实现更高目标。 名信嘉品拥有独特的企业文化。其核心价值观 "客户至上、诚信经营、团队合作、创新发展" 深入人心。 "客户至上" 体现在一切以客户需求为出发点，提供优质产品和服务。"诚信经营" 是企业立足之本，贯穿于商业合作各个环节。 ...