1. Recognition of the real-name registration system by most depositors. Only when most residents agree to keep the real-name registration system can this system be implemented smoothly. Otherwise, it will bring some unstable factors. For a long time, China people used to save money under pseudonyms or pseudonyms, not because the money came from improper sources, but because they didn't want to expose their wealth and were afraid that security would become a problem. Under the influence of this traditional habit, if real-name registration system is enforced, it will easily lead to public distrust of banks, especially in the unstable international economic and financial environment, and the country has successively introduced institutional reforms such as housing, pension, medical care and education. If it is not handled properly, it is likely to squeeze deposits, and it is easy to have a payment crisis when the bank's non-performing assets remain high. In this regard, we must not take it lightly.
2. Can't infringe private property rights. Whether individuals can be protected and kept secret after depositing their money in the bank is a major concern of depositors. At present, China has not yet established a perfect tax declaration system, and there is still no clear statement about private property in our constitution. Some financial experts pointed out that in the past 20 years of reform and opening up, people who get rich first can be divided into two types, one is law-abiding people, and the other is people who take advantage of policy loopholes to get rich, but these people are not illegal from a legal point of view. Therefore, how to define the legitimacy of the wealth of people who get rich first is a very tricky thing. Improper handling will make people doubt the credibility of the policy. In this case, if the savings real-name registration system is hastily introduced, the actual effect may be far from the original intention. Legal income is not protected, and illegal income is not recovered (a lot of illegal income has been deposited in the bank), which not only fails to achieve the purpose of collecting inheritance tax and income tax, but also discourages the enthusiasm of ordinary people to save.
3. Capital account will not cause big losses. After the implementation of the savings deposit real-name registration system, part of the funds will bypass the financial control and not be deposited in the bank, but in the form of cash and gold. Or be stored abroad to avoid the real-name registration system. From the perspective of corporate enterprises, the phenomenon of corporate foreign exchange evasion has appeared in previous years, and it is more serious in 1998. In the whole year, * * * found out that the amount of foreign exchange fraudulently purchased was 64190,000 USD. If real-name registration system is implemented, it may lead to a larger range and degree of capital flight. From the perspective of individual residents, the foreign exchange savings deposits of individuals in banks have reached as high as 80 billion US dollars, some of which were obtained from the black market or relatives and friends, and some were illegitimate income. If real-name registration system registers its savings, it will inevitably transfer some of them abroad, resulting in the loss of domestic foreign exchange funds and easy to cause fluctuations.
4. Have the corresponding technical and legal conditions. The United States began to register savings in real-name registration system in the 1960s, but after the founding of the People's Republic of China, the United States established a tax declaration system, and only tips were not taxed. The information network in the United States is extremely developed, telephone calls are recorded, and its supervision cost is extremely high. The legal environment in the United States is incomparable to us. At present, China's financial institutions have not yet achieved computer networking, and their technical and legal conditions are still to be mature. Judging from the effect of South Korea's financial real-name registration system, it is not satisfactory. If the conditions are not ripe, you can only get twice the result with half the effort.