In 2015, the wife of Liu Haibin, a Jiangsu man, came to Jiangyin Rural Commercial Bank with a huge deposit certificate with a denomination of 6 million.
When she handed the certificate of deposit to the bank staff to check the authenticity, the bank told him that the certificate of deposit was fake.
After that, the bank not only confiscated the certificate of deposit, but even prosecuted Liu Haibin to the public security organs for the crime of financial voucher fraud.
In the face of this result, Liu Haibin was very angry, and he firmly believed that the bank deposit certificate left by his mother would not be fake.
Four years later, the police withdrew the case, but Liu Haibin did not wait for the result he wanted.
Mother's relic
In 2013, Liu Haibin's mother, Huang Xiaomei, suddenly fell seriously ill, and after several treatments, Huang Xiaomei showed no signs of improvement.
Xu was premonition that his time was running out, and one night, Huang Xiaomei mysteriously called Liu Haibin.
"Son, I put an iron box in the attic of my hometown, and after I leave, you remember to go and get it, and there is something in it for you."
"Mom, don't talk nonsense, you won't leave, the doctor said he will heal you well."
Hearing this sentence, Liu Haibin only cared about telling his mother not to think about it, and did not pay too much attention to the iron box that his mother said.
Huang Xiaomei saw that Liu Haibin did not care much about this matter, and said it again, asking him to go and get the iron box.
Liu Haibin saw that his mother was so insistent, so he had to nod his head in agreement. Within a few days, Huang Xiaomei died of a sudden aggravation of her illness.
Liu Haibin, who suddenly lost his mother, was very sad, and he forced his spirit to handle the funeral for his mother.
"I was so busy dealing with my mother's affairs that I didn't remember what she told me."
Until 2015, Liu Haibin received an order from the unit to appoint him to a bank in Chengdu, Sichuan Province, as president.
About to leave Jiangsu, he made a special trip back to his hometown in Xiagang to visit his mother's grave and sort out the relics left by his mother.
In the attic of the old house, Liu Haibin found the iron box that his mother had told him to open before leaving.
After Liu Haibin opened the iron box, a bank deposit certificate with a denomination of 6 million appeared in front of him.
It clearly reads "Huang Xiaomei deposited in rmb capital Lu Bai million yuan", and all kinds of seals are readily available.
"Before I opened it, I always thought that my mother was leaving some old things, and I didn't expect it to be a bank deposit certificate."
Liu Haibin said that before his mother retired, he was just an ordinary accountant, and although his father worked in the tax authorities, he was also an ordinary clerk.
The certificate of deposit left by her mother was only her "secret property", and even Liu Haibin's father had never heard of it.
The windfall from the sky did not make Liu Haibin dizzy, his first thought was to confirm the authenticity of the certificate of deposit.
In late April 2015, at the suggestion of Liu Haibin, his wife came to Jiangyin Rural Commercial Bank with a copy of the deposit certificate.
The bank staff told Liu Haibin's wife that due to its age, the words on the certificate of deposit were difficult to read, and the originals had to be presented to distinguish the authenticity.
The next day, Liu Haibin's wife also brought the original to the bank, and a staff member surnamed Wang received the original and told her to go back and wait for the notice.
Not long after, Ren Suhui, president of Jiangyin Rural Commercial Bank, called Liu Haibin and told him that the certificate of deposit was fake.
"She told me that the certificate of deposit was fake and that the bank had to confiscate it and destroy it, how could I possibly agree?"
Liu Haibin did not believe that the relics of his mother's thousands of instructions before his death would be fake, and insisted on returning the original deposit certificate from the bank.
Coincidentally, Jiangyin Rural Commercial Bank is the unit where Liu Haibin has worked for many years, and he has been working in this bank until he was transferred to Chengdu.
Liu Haibin said that after learning of his wishes, Bu Xinfeng, vice president of the bank, flew to Chengdu to do work for him and asked him not to pursue it anymore.
But Bu Xinfeng said that it was true that he flew to Chengdu, but he went to persuade Liu Haibin, and this was all for Liu Haibin's good.
"More than six million in the nineties, that's a lot of money, how can Liu Haibin's mother have so much money?"
The certificate of deposit shows that the money was deposited for one year and expired on February 7, 1995, and pushed back, the money should have been deposited in 1994.
At the end of the 1990s, millionaire households were rare rich people, and ordinary people generally had no assets in their hands.
Liu Haibin's mother's six million deposit is undoubtedly an astronomical amount, how can an ordinary woman save this money?
Finally, Bu Xinfeng said that he wanted Liu Haibin to get lost and not ruin his future for a little money.
Liu Haibin insisted on returning the original certificate of deposit, so he also interviewed the chairman of the bank once, and the two sides broke up unhappily.
In July of the same year, due to this "certificate of deposit storm", Liu Haibin received a notice of dismissal from the bank.
He was dismissed from his mid-level post and transferred to a remote branch to work as an ordinary bank clerk.
Liu Haibin did not give in to this, but submitted his resignation report and began a six-year appeal.
The bank called the police, and the police filed a case for investigation
On June 30, 2015, the bank reported to the Jiangyin Municipal Public Security Bureau that Liu Haibin was suspected of "financial voucher fraud."
After two months, the police filed a case and investigated Liu Haibin and his family, and sent the original deposit certificate to a professional institution for appraisal.
In October of the same year, the Jiangyin Municipal Department of Letters and Visits received a complaint from Liu Haibin, who demanded that the bank return the certificate of deposit and give a reasonable reason for dismissal.
In response to Liu Haibin's request, the Jiangyin Rural Commercial Bank responded that they did not find Liu Haibin's mother's deposit records.
This certificate of deposit is not only missing several essential elements, but the seal is also vague and unclear, making it difficult to judge the authenticity.
And in 1994, the bank's certificate of deposit had been printed by a computer, but the certificate of deposit presented by Liu Haibin had many handwritten marks, which was very suspicious.
Given that Liu Haibin has 20 years of experience in the bank, the bank has reason to believe that Liu Haibin forged certificates of deposit in an attempt to commit financial fraud.
The reason why the bank decided to dismiss Liu Haibin from his middle-level post was also because it took into account the investigation of the case and the actual situation of Liu Haibin himself.
After the transfer order was issued, Liu Haibin personally did not want to accept it and insisted on resigning, and the bank was not responsible for the matter.
Liu Haibin said that if he was determined to use his power for personal gain and commit financial fraud, there would be no need to directly take the certificate of deposit to the bank president for inspection.
Taking 10,000 steps back, the certificate of deposit is a relic of the mother, and since the bank confirms that it is false, it is not taken, why must it be destroyed?
Liu Haibin was convinced that the destruction of the certificate of deposit was a manifestation of the bank's lack of heart.
In December 2015, Liu Haibin filed a complaint against Jiangyin Rural Commercial Bank, demanding that they return the original certificate of deposit and pay the amount of the deposit certificate.
Since the public security organs had already filed a case and were investigating, the court rejected Liu Haibin's appeal request on the grounds that "the public security organs are investigating" .
Liu Haibin was not satisfied with the judgment and continued to appeal to the Wuxi Intermediate People's Court, but the claim was still rejected.
In fact, after the case was filed, the public security organs have sent the certificate of deposit to the Judicial Appraisal Center of Southwest University of Political Science and Law for appraisal at the first time.
The result of the forensic evaluation center is "inconsistency of tendency", in other words, the certificate of deposit may be fake.
However, the police handling the case said that the results given by the forensic evaluation center were vague and uncertain, and could not be used as corroborative evidence in criminal cases.
"There are indeed many doubts in this case, there is no record of this deposit in the bank's statements, and the person concerned has died, and our investigation process has encountered many difficulties."
The police said that the time and category of this certificate of deposit are not on the number, and it is like buying a wealth management product in 2017 in 2016.
There were many types of bank deposits at the time, and the time of the deposit on this certificate of deposit was earlier than the time when the deposit category was introduced, and the two were contradictory.
And Liu Haibin's mother is indeed just an ordinary state-owned enterprise accountant, "Where did she get so much money to deposit in the bank?" ”
In the face of questioning by the police, Liu Haibin believes that the police's baseless speculation cannot be used as the real evidence for the case.
He once asked his mother's old friend about his mother's sideline income, and the answer was that his mother had the habit of speculating in stocks.
Therefore, Liu Haibin feels that the money deposited by his mother is likely to be obtained through stock speculation or futures speculation.
"This certificate of deposit was repeatedly given to me by my mother before she left, and I don't think it can be a fake certificate of deposit."
Liu Haibin also said that after working in the bank for twenty years, it is absolutely impossible to know the law and break the law and forge fake certificates of deposit.
Such a huge amount of certificates of deposit, once found, will not only face jail time, but may even be sentenced to shooting.
After four years of filing, Liu Haibin's appeal was rejected again
Liu Haibin repeatedly went to the Jiangyin City Public Security Bureau to communicate with the police and persuade them to withdraw the case against the matter.
On January 18, 2017, the public security organs revoked the case against Liu Haibin for "suspected financial voucher fraud" and instead investigated the case of "a bank in Jiangyin City was defrauded by financial vouchers".
In the more than two years since the case was reopened, the public security organs have still not found any clues that are helpful to the case.
During this time, Liu Haibin constantly traveled between the public security organs and the procuratorate to inquire about the progress of the case.
On March 13, 2019, nearly four years after the case was filed, the public security organs finally decided to withdraw the case.
Liu Haibin was overjoyed to receive the news, and in May of the same year, he and his father took the Jiangyin Rural Commercial Bank to court.
In this lawsuit, Liu Haibin demanded that the bank return his mother's deposit with interest, and the principal and interest added together totaled eight million yuan.
In court, the representative of Jiangyin Rural Commercial Bank insisted that Liu Haibin was presenting a fake bank deposit certificate.
Bank staff said that six million in the nineties was a huge deposit that ordinary people could not imagine.
If Liu Haibin's mother really came to the bank to deposit this money, I am afraid that the whole bank would be sensational.
And at that time, Liu Haibin was already working at the Jiangyin Rural Commercial Bank, and there was no reason why the staff should not tell him about it.
The seal of the manager on the deposit certificate and the seal of the cashier and the reviewer are gradually blurred in the passage of time, and Liu Haibin's mother has died, which can be said to be dead.
As a bank employee, Liu Haibin has full access to blank certificates of deposit and forged the so-called original certificates of deposit.
After trial, the Jiangyin Municipal Court held that Liu Haibin's father and son could not reasonably explain the various doubts raised by the bank.
At the same time, they could not produce evidence that Liu Haibin's mother had held six million assets.
As far as the current evidence is concerned, the deposit relationship between Liu Haibin's mother and Jiangyin Rural Commercial Bank is not clear.
On December 9, 2019, the court issued a judgment rejecting Liu Haibin's appeal request and ordering him to bear all the litigation costs of the case.
Since then, Liu Haibin has appealed to the Wuxi Intermediate People's Court and the Jiangsu Provincial High People's Court.
After a court hearing, his appeal was dismissed.
The application for a counter-appeal was accepted by the procuratorate
The successive setbacks did not make Liu Haibin lose confidence, and he was still running around the case, expecting a satisfactory result.
"I am an old employee of the bank, but after the incident, the bank's approach not only chilled my heart, but also damaged my reputation."
Liu Haibin said that he worked diligently in the Jiangyin Rural Commercial Bank for twenty years, and he did not expect to end up with such a fate.
When the bank concluded that he had taken the fake certificate of deposit, it not only relieved him of his mid-level rank, but also damaged his reputation for many years.
If this matter is not investigated, he will not be able to work in the banking in the future.
"This certificate of deposit could not have been forged by me at all, and I know all too well the consequences of financial voucher fraud."
Liu Haibin said that after the police filed the case, they not only interrogated the deposit certificate in detail, but also identified the handwriting of their family.
The result is that no one's handwriting matches the handwriting on the deposit slip, which is enough to prove that the slip of deposit was not forged by himself.
The reason why he has to keep complaining is not only for his mother's assets, but also to regain his innocence.
During the first instance and second instance, Liu Haibin once asked the court to retrieve the original deposit certificate, but the court did not answer his request.
He also asked the bank to show the second and third copies of the certificate of deposit to prove the authenticity of the certificate of deposit.
"The third link of the bank is generally kept permanently, and the authenticity of the certificate of deposit can be easily identified after presentation."
This point Liu Haibin also wrote in the counter-prosecution materials he submitted to the Wuxi Municipal Procuratorate.
In December 2021, the Wuxi Municipal Procuratorate responded to the case, indicating that it had accepted Liu Haibin's counter-appeal request.
"I hope that the relevant departments will thoroughly investigate this case, return the original certificate of deposit in a timely manner, let the truth come out as soon as possible, and give me a fair and equitable statement."
After learning this news, Liu Haibin was very happy, and he believed that his six years of efforts would not be in vain.
At present, the case has not yet been formally heard, and like Liu Haibin, we look forward to a fair and just trial result.
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Resources
Huashang Daily: "20 years ago, 6 million certificates of deposit were suspected of being fake, the bank reported the case "fraud", the police investigated and withdrew the case for 4 years, the parties: money is difficult to get, deposit certificates are difficult to return"
The Paper: "The President of a Bank in Jiangsu Says To Verify His Mother's Inheritance, 6 Million Certificates of Deposit Confiscated"