First of all, it is invalid to sign someone else's name, which is a basic principle in law.

But in order to avoid trouble, most banks require customers to sign the names of depositors, which I believe will be corrected in the future.

And when saving money, since you choose to withdraw money by password, it is equivalent to signing a contract. When withdrawing money, you only need to check the password, and the signature is just a formality. Unless it exceeds 50 thousand, the people's bank of China requires registration of identity cards.