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1、1Accounting Internship ReportDuring summer vacation, I was fortunate to Shuangliu County Industrial and Commercial Bank of China branch to a one-month accounting internship, learned a lot of knowledge other than books, benefit greatly. Here is my real name system for bank savings deposits, a little
2、simple discussion. First, the meaning of real-name system savings Savings in real-name system is a resident financial institutions for savings accounts and business, must present valid identification, bank employees an obligation to provide records, and require depositors to leave their name in the
3、certificate of deposit system. Its fundamental purpose is to effectively protect the personal interests and the premise of safeguarding national interests and promote the financial system in a fair, just and open basis, to ensure the authenticity of personal financial assets, legitimacy. The foundin
4、g of our country fifty years, the savings deposit system has been implemented is anonymous (catchy title) savings system. The secret can be a real name, pseudonym, the code can also be the name of 2relatives and friends, especially current savings, bank passbook is not only recognized identification
5、, as long as withdrawal or to provide input on the book to produce seal password (account by the depositor when the contract) off payments by banks that savings deposits have already been implemented real-name system is developed a financial system, but also the vast majority of developing countries
6、 to implement the financial system . Second, why should the real name system savings Chinas current savings deposit system can be said from the source causing a series of social and economic problems have hindered the process of reform and opening up to the point where the cumulative effect. Acceler
7、ate the growth of savings deposits under the cover of the startling phenomenon of social wealth transfer. As of the end of June 1999, Chinas total savings deposits of commercial banks (full discount of RMB and foreign currency) of 6.3 trillion yuan savings deposits of residents is exponentially grow
8、th in 1987, Chinas household savings deposits only 307.3 billion yuan in 1992 exceeded 1 trillion yuan in 1994 exceeded 2 trillion yuan, t995 years exceeded 3 trillion yuan, up to 3the end of 1998 is 53,000 billion, while only six months, the end of June 1999 reached 6.3 trillion yuan .1992, Chinas
9、GDP growth rate although embarked on a rapid growth of the channel, the highest year was 1992, 14.1%, the lowest the year was 7.8% in 1998, from 92 to 98 years, the arithmetic average is only 10.76%, GDP growth is not synchronized with the growth of savings deposits, which shows two points, one over
10、 the distribution of national income were inclined to individuals. Second, some have no personal income in national income, but directly in the loss of state assets. 2, the tax collection difficulties, serious tax evasion. Tax is a civic duty, but in real conditions, can become a personal tax evasio
11、n conferred the ability of many financial managers, tax evasion and down into its obligations, China personal income per capita GDP, the size of about 0.28%, well below the developing country average of 2.1%, loss of tax base too much rooted in our current savings system simply can not support the p
12、ersonal income tax and supervision, and deposit system is imperfect, is not conducive to the establishment of citizens credit system can not clear individual obligations of the State, can not adjust the 4income tax leverage and wealth gaps, alleviate social contradictions, the state Office of focus
13、event. 3, so that China-related loss adjustment policies, the results are greatly reduced, such as, for Chinas domestic demand is not busy, the situation of weak consumption, the state issued a series of policies to stimulate consumption, such as continuous cut interest rates to encourage consumer c
14、redit, the collection of interest on savings income tax, increase civil servants and staff wages, stimulating education spending, etc., but these policies the results are very obvious, and why? because savings deposit system to cover up the gap between rich and poor, difficult to remedy legislative
15、and executive bodies, a small number of riches walks of life who (according to unofficial information, this part of the number of deposits accounted for only 7% of control levels by about 60% of total savings deposits), the increase in revenue but a number less money for them for several lifetimes n
16、eeded - and the others have, so they are numb policy to stimulate consumption. 4, the personal credit system could not be established. Market economy is credit economy, all depend on credit to sustain economic 5relations, there is no good credit system, it will have a cool deal and investment lock phenomenon, due to mutual distrust, transactions and cash transactions to the goods is easy to goods such as falling in the way the original rigid, ban
