Abstract：Although China has a System of Personal Savings Account with Real Identity，but failed to establish the System of all financial accounts with real identity financial effectively. Without fully verification and punitive measures，the financial account of the real name system can’t implement. Over the years some financial money launderers often open kana，anonymous and false account illegally and do criminal activities. The financial account with Real Identity system is the basic work of the modern financial supervision. If the financial account with real identity system not thoroughly implement a day，the hidden loopholes in the system may cause a series of capital flight，regulatory dislocation and other issues. The implementation of the financial account with real identity is a systematic engineering，there is still a long way to go. More cooperation and deployment are needed，more supporting laws and regulations are needed，more policy feedback and evaluation are needed. This paper try to analyze the status quo of the financial account with real identity system in China，put forward policy suggestions on the implementation of the work and propose contingency plans for possible risks.