randomnessAccounting internship internship reportreport-毕业论文翻译

Accounting internship internship

reportreport

Write

papers

network:

real

names

for

bank

savings

deposits, the point of ()

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

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 depositors 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

assets,

legitimacy.

The

founding

of

our

country

fifty

years,

the

savings

deposit

system

has

been

implemented

is

anonymous

1

(catchy title) savings system. The secret can be a real name,

pseudonym,

the

code

can

also

be

the

name

of

relatives

and friends, especially current savings, bank passbook is

not 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)

that

is

depreciated

bank

payment.

Savings

have

already

been

implemented

real-name

system

is

developed

a

financial

system, but also the vast majority of developing countries

to implement the financial system.

Second, why should

the real name system savings

China

’

s 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.

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, China

’

s

total savings deposits of commercial banks (full discount

of RMB and foreign currency) of 6.3 trillion yuan savings

deposits

of

residents

is

exponentially

series

growth

in

1987,

China

’

s

household

savings

deposits

only

307.3

billion

yuan

in

1992

exceeded

1

trillion

yuan

in

1994

2

exceeded

2

trillion

yuan,

t995

years

exceeded

3

trillion

yuan, to the end of 1998 is $$ 500. 3 trillion yuan, while only

six

months,

the

end

of

June

1999

reached

6.3

trillion

yuan .1992, China

’

s GDP growth rate although embarked

on

a

rapid

growth

of

the

channel,

the

highest

year

was

14.1% in 1992 , the lowest of the year is 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 of national income

distribution over the individual tilt. 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 evasion 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

personal

income

tax

and

supervision,

and

deposit

system

is

imperfect,

is

not

conducive

to

the

establishment

of

citizen

’

s

credit

system

can

not

clear

3

individual

obligations

of

the

State,

can

not

adjust

the

income

tax

leverage

and

wealth

gaps,

alleviate

social

contradictions, the state Office of focus event.

3, so that

China-related

loss

adjustment

policies,

the

results

are

greatly reduced, such as, for China

’

s 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

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 deposit 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

deposits),

the

increase

in

revenue

but

a

number less money for them for 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

4