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1、1Accounting practice report Fan NetworkWrite papers network: During 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
2、bank savings deposits, a little 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 deposi
3、tors to leave their name in the 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
4、 assets, legitimacy. The founding of our country fifty years, the savings deposit system has been implemented is anonymous (catchy title) savings system. The secret can be a real 2name, pseudonym, the code can also be the name of relatives and friends, especially current savings, bank passbook is no
5、t only recognized identification, 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
6、majority of developing countries 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 wher
7、e the cumulative effect. 1, to accelerate growth in 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
8、of residents is exponentially growth in 1987, Chinas household savings deposits only 307.3 billion 3yuan in 1992 exceeded 1 trillion yuan in 1994 exceeded 2 trillion yuan, t995 years exceeded 3 trillion yuan, to the end of 1998 reached 5.3 trillion yuan more , but only six months, the end of June 19
9、99 reached 6.3 trillion yuan .1992, Chinas GDP growth rate although embarked on a rapid growth of the channel, the highest year was 1992, 14.1%, the lowest of the year is 1998. 7.8%, from 92 to 98 years, the arithmetic average is only 10.76%, GDP growth is not synchronized with the growth of savings
10、 deposits, which shows two points, one over the distribution of national income to personal inclination. Second, some personal income no longer in the national income, but directly in the loss of state assets. 2, the tax collection difficulties, serious tax evasion. Tax is a civic duty, (Source:) bu
11、t in real conditions, can become a personal tax evasion conferred the ability of many financial managers, tax evasion fall into its obligations, the scale of Chinas total personal income per capita GDP is about 0.28 percent, well below the developing country average of 2.1%, loss of tax base too muc
12、h rooted in our current savings system simply can not support the personal income tax collection and 4monitoring, while the 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 income tax le
13、verage and wealth gaps, alleviate social contradictions, the country focus doing big things. 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 t
14、o stimulate consumption, such as continuous cut interest rates to encourage consumer credit, 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 depo
15、sit system to cover up the gap between rich and poor, difficult to remedy legislative 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 depos
16、its), the increase in revenue but a number less money for them 5for several lifetimes needed - and the others have, so they are numb policy to stimulate consumption. 4, the personal credit system can not set up the market economy is credit economy, all depend on credit to sustain economic relations, there is no good credit system, it will have a cool deal and investment lock phenomenon, due to mutual distrust, the transaction way to the cash transactions and ba
