The traditional criminal law uses the deposit possession theory to explain the qualitative problems of deposit-related crimes,most of them are premised on the theory that the depositor only possesses the creditor's rights.These theories not only violates social concepts but also mistakes creditor's rights as possession and mistakenly shifts the focus of criminal determination from infringement of ownership to infringement of possession.In fact,money is a representation of value while deposit is that the depositor leases the value to the bank but retains the ownership.The record in the deposit account is a record of the value which is a type of credit information rather than a type of object,so it shouldn't determine the owner of the value by applying the theory of"possession is all"of the money carrier,and we must consider the value and the value carrier separately.In solving the qualitative problems of deposit-related crimes such as embezzlement of deposits,wrong remittance,loss of withdrawal,secret transfer,etc.,we should substantially consider whether the behavior violates the ownership of value and by what means infringes on the ownership of the others.
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