Chapter 3 Chapter Two: "Don't Forget in Ju"

Before telling the story of Zhang Enzhao, let me tell you an idiom story.This idiom is called "Don't forget in Ju". It is about the Spring and Autumn Period and the Warring States Period. Once Duke Huan of Qi drank with Prime Minister Guan Zhong, doctor Bao Shu, and Ning Qi. When he was happy, Qi Huan Gong said to Bao Shuya, "Why don't you toast me?" Holding the cup in both hands, he stood up and said, "I hope you will not forget the time in exile in Ju, Guan Zhong will not forget the days when he was a prisoner in Lu, and Ning Qi will not forget the time when he was herding cattle outside the capital of Qi."

Before Duke Huan of Qi became Duke Huan of Qi, in order to avoid the rebellion of Duke Xiang of Qi, he fled to Ju State, which is now Ju County in Shandong Province, and suffered all kinds of hardships; Bitter; when Ning Qi fled from Wei State to Qi State, he used to feed cows under the car, but he was also poor.These three periods are the most difficult, saddest, and most difficult periods in the lives of the three people.After Duke Huan of Qi succeeded to the throne, he appointed Guan Zhong and Ning Qi as important ministers. The three of them were a little proud. It was for this reason that the upright and selfless Bao Shuya used a toast to remind them not to forget those sufferings.It should be said that Bao Shuya's reminder was timely and profound.This story tells us that forgetting the past means betrayal. People should remind themselves all the time, remember the past more, and then cherish the present, continue to maintain the style of hard work in the past, and not forget their true colors.

This allusion comes from "Lu's Spring and Autumn Direct Remonstrance". The original text is as follows: Duke Huan of Qi, Guan Zhong, Uncle Bao, and Prime Minister Ning Qi were drinking heavily.Uncle Bao went in with the cup and said: "So that the public should not Don't forget to run away from Juye, so that Guan Zhong should not Don't forget to be tied to Luye, so that Ning Qi should not Don't forget his food and cattle and live under the chariot." Don't forget in Ju, simply put, it means "not forgetting the origin". Many people know Zhang Enzhao's name, not because he succeeded Wang Xuebing as the president of China Construction Bank, but after he followed Wang Xuebing's fall.It was also at this time that people learned that this provincial and ministerial senior official was from Ju County, Shandong.

Juxian County, Shandong Province is the land of the ancient Ju State in the idiom "Don't forget to be in Ju".Zhang Enzhao was one of the high-ranking officials who came out of the Yimeng mountain area, and he was also the highest-ranking fallen official among the Yimeng children in New China. According to the authoritative information provided by the judiciary, Zhang Enzhao, male, 60 years old, born on December 17, 1946, Han nationality, was born in Juxian County, Shandong Province, with a college education. Vice president and president of China Construction Bank, living in a certain unit in a certain building in a certain community in Xicheng District, Beijing, and registered at an apartment in a certain lane on a certain road in Xuhui District, Shanghai; on June 13, 2005, on suspicion of accepting bribes He was detained and arrested on the same day, and detained in Qincheng Prison of the Ministry of Public Security. On November 3, 2006, the Beijing No. 1 Intermediate People's Court sentenced defendant Zhang Enzhao to 15 years in prison for accepting bribes.After the judgment of the first instance, Zhang Enzhao did not appeal, but requested to serve his sentence in Shanghai.

Greater Shanghai, the bustling Greater Shanghai, is the birthplace of Zhang Enzhao, a son of Yimeng. Don't forget that in Ju, Zhang Enzhao thinks of his rising place at this time, isn't it a bit late? The story of Shanghai, rising from the common people in the city Zhang Enzhao's ancestral home was in Ju County, Shandong Province. Before liberation, his family moved to Hongkou District, Shanghai. Zhang Enzhao's father was an ordinary worker and his mother was a housewife.Zhang Enzhao's background is indeed very "grassroots" in today's fashionable vocabulary.

When he grew up, Zhang Enzhao was admitted to Fuxing Middle School, a well-known key middle school in Shanghai. His academic performance was good, but he failed to pass the college entrance examination. In 1963, Zhang Enzhao was recruited into the Shanghai Construction Bank as an apprentice.Two years later, Zhang Enzhao became an appropriator. According to relevant reports, after the outbreak of the "Cultural Revolution", the business of Shanghai Construction Bank basically stopped, but several military factories and steel factories in Shanxi, Shandong and other places have not stopped production. Construction grants in several places.Therefore, Zhang Enzhao was not involved in the "roiling torrent" at that time, nor did he participate in any factional struggles, and escaped the catastrophe.

In August 1979, the State Council decided to restore the China Construction Bank, but the ten-year catastrophe caused a fault among the young people within the bank. At this time, 33-year-old Zhang Enzhao became one of the few hardcore members.In order to meet the talent needs of the business, China Construction Bank Shanghai Branch decided to openly recruit a large number of talents from the society, and set up training courses to make them quick. Because Zhang Enzhao is proficient in appropriation business and is a high school student, he became the teacher of the training class.Relying on his excellent professional level and amiable civilian character, Zhang Enzhao quickly won the respect of the students. In addition, Zhang Enzhao's straightforward and simple Shandong people in his heart established a high prestige among the students.

From 1979 to 1981, a total of three training sessions were held, training hundreds of people. These three sessions of trainees later became the backbone of Shanghai Construction Bank. Of course, this is also inseparable from the promotion of Zhang Enzhao after he became the president. It's open.Even after Zhang Enzhao became the governor, these students of his privately called him "teacher".Later, these three batches of students were nicknamed the "Whampoa students" of Shanghai Construction Bank, and Zhang Enzhao became a "core" figure similar to "Principal Jiang".After all, the "Teacher Zhang" back then became the "President Zhang" of one of the princes.

According to relevant media reports, Zhang Enzhao is very loyal to his students, and he will help him as long as he can in terms of promotion, housing, and even the transfer of family members and work arrangements for his children. After Zhang Enzhao took office as the president of Shanghai Branch of China Construction Bank in 1987, he vigorously promoted and reused his former students.Especially after the mid-1990s, the leaders of major sub-branches in Shanghai, as well as important departments such as credit and corporate business, were basically dominated by Zhang Enzhao's "Huangpu students", and more than 80 of them became department-level cadres.

In fact, Zhang Enzhao is not only a loving person, but also a studious person. In 1982, after the three training courses, Zhang Enzhao went to Fudan University in Shanghai to study for two years and obtained a college degree in financial management.At that time, a junior college should have a high degree of education, and the level of scenery is not much worse than that of current graduate students. In 1984, Zhang Enzhao returned to China Construction Bank after studying at Fudan University.At this time, it happened that the state called for the introduction of foreign capital and encouraged the establishment of joint ventures.China Construction Bank began preparations for the China Investment Bank in 1981. The investment bank is actually the same team as the investment business within the Construction Bank.Because Zhang Enzhao has practical experience and academic qualifications, he was appointed to be in charge of the preparation of the investment business department of Shanghai Branch of China Construction Bank. This department is called "China Investment Bank Shanghai Branch" externally, and Zhang Enzhao is the vice president.Thus, the first great leap in Zhang Enzhao's life began.

In the mid-1980s, the Shanghai Petrochemical General Plant, a client of CCB Shanghai Branch, was about to launch the third phase of the project. Due to insufficient funds and no loan plan, they could only watch the imported equipment suffer from wind and rain. Corroded and aged every day.Facing the client's frowning, Zhang Enzhao took the risk of failure based on the fundraising knowledge he had learned from textbooks, and boldly organized a foreign syndicated loan led by Citibank, which was on-loaned by CCB to Shanghai Petrochemical, and issued on behalf of Shanghai Petrochemical. 800 million yuan in corporate bonds. This move was hailed by the Shanghai media at the time as "the biggest move to introduce foreign capital since Shanghai's reform and opening up", which aroused strong repercussions in China, and was called "breaking the closedness of China's banking sector", which was of historical significance.The World Bank commented on this and praised Zhang Enzhao: "Although the negotiator on the other side is a novice, he is shrewd and capable and reached an agreement with high efficiency..." Although Zhang Enzhao "wondered all over solving problems for customers, working day and night, and finally exhausted his body", the success of this move not only made the whole Shanghai financial circle admire Zhang Enzhao, but also aroused the attention of the leaders of Shanghai at that time. layer's attention to their talents.Shortly thereafter, Zhang Enzhao became the vice president of the Shanghai branch of China Construction Bank and the president a year later.At this time, Zhang Enzhao's president was nothing more than a department.But shortly after he became president, the Shanghai Branch of China Construction Bank was upgraded to a bureau-level unit, and Zhang Enzhao was also promoted to a deputy bureau-level unit. In just three years, Zhang Enzhao completed his career leap of "promoting three consecutive ranks".At this time, Zhang Enzhao had just turned 40 years old. Ascension for the second time, from Shanghai to Beijing After Zhang Enzhao's accident, some media commented on Zhang Enzhao's "average level, love of double-headed abalone and golf". It's a bit of a downfall. In fact, Zhang Enzhao has always been known for his pragmatism and ability in Shanghai Construction Bank.In terms of talent, Zhang Enzhao put forward "one-meter noodles", "service with a smile", "whoever smashes my brand, I smash his job" and "providing customers with a full range of one-stop services" as early as the late 1980s. A concept that was born after 10 years.In the early 1990s, Zhang Enzhao proposed the "closed loan law" to forcibly change the behavior of state-owned enterprises relying on financial appropriations and not treating bank loans according to market principles.Changed CCB's extensive operation in Shanghai, aiming at profitability and efficiency, and serving customers in an all-round way.At that time, many experiences of the Shanghai Branch under the leadership of Zhang Enzhao were continuously promoted throughout the CCB, and his contribution to the reform of CCB cannot be denied. In addition, Zhang Enzhao's diligence, steadfastness and innovative spirit in his work have also attracted the attention of leaders at all levels. In 1988, Shanghai City entrusted China Construction Bank to organize a syndicate of banks from six countries headed by France to invest in Shanghai's heavy industry. Therefore, Zhang Enzhao was praised by Shanghai leaders many times.In addition, throughout the 1990s when Zhang Enzhao presided over CCB Shanghai Branch, CCB Shanghai Branch continued to actively cooperate with various tasks in Shanghai, especially the reform of state-owned enterprises and urban construction. CCB Shanghai Branch invested huge funds. In the early 1990s, the commercialization of housing has become an inevitable way for Shanghai's housing reform.On the basis of launching policy-based provident fund loans, CCB Shanghai Branch issued a 5-year loan of 110,000 yuan, making it the "first person to eat crabs" in personal housing and commercial loans in Shanghai. The "CCB model" formed a "snowball" effect externally, and major commercial banks in Shanghai and even across the country regarded it as a model for personal housing commercial loan business and rushed to copy it. Listing these contents is not to give credit to corrupt officials, but out of an objective evaluation.Even from another point of view, if Zhang Enzhao is an idiot with a dead body and a vegetarian meal, then those institutions and people who have promoted Zhang Enzhao to leadership positions are all blind? Even though the board of directors of China Construction Bank finally gave Zhang Enzhao a very humane comment in the resolution to remove Zhang Enzhao from his position: "I would like to express my gratitude to Mr. Zhang Enzhao for his contributions to the reform and development of China Construction Bank over the years." One of the main businesses of a bank, in more popular terms, is to issue loans. We all understand the word "lending". There is no doubt that who owns the power of lending. people "benefits". According to relevant media reports, Zhang Enzhao's transformation started from playing tennis. Zhang Enzhao started learning to play tennis in 1988, "he played for an hour almost every day. After playing, Zhang also used to take a sauna and then eat. Basically, he was accompanied by a fixed dozen students who were closely related to him." However, many disciples also brought troubles to Zhang Enzhao, especially through Zhang Enzhao's disciples running loans, almost every hit.As long as he starts to turn a blind eye, a lot of loans will be released.Under the protection of Zhang Enzhao, the circle of disciples made more and more unscrupulous actions, and they even helped Zhang Enzhao dig a bigger and bigger "trap".In March 1997, the incident finally broke out. Zhou Daochun, the head of Xuhui Sub-branch of CCB Shanghai Branch, fled overseas with 70 million yuan.And Zhou Daochun was promoted by Zhang Enzhao against all opinions.Although the case did not shake Zhang Enzhao's position as president in the end, a series of subsequent investigations against Shanghai Construction Bank still hit him hard. With Zhang Enzhao's various political achievements, he has been working as the president of CCB's Shanghai branch for 13 consecutive years. He did not reach the position of vice president of China Construction Bank until he was in his 50s.If it hadn't been for Wang Xuebing's fall, perhaps Zhang Enzhao would have retired at the departmental level, and perhaps we would not have seen the "corrupt official Zhang Enzhao" today. After all, fate favored Zhang Enzhao again. In October 1999, Zhang Enzhao left Shanghai, where he made his fortune, and was transferred to the Beijing head office as the vice president of China Construction Bank. In February 2000, Zhang Enzhao became the executive vice president and deputy secretary of the party committee, and became the deputy of "China's most elegant financier" Wang Xuebing.Zhang Enzhao's "loyalty" and "hard work" once again brought him opportunities. In January 2002, Zhang Enzhao succeeded Wang Xuebing, who was dismissed, as the president of CCB, and reached the pinnacle of his life. Although this kind of glory was considered to be shaky by many people, Zhang Enzhao's hard work and diligence made him rise from a commoner to a national, provincial and ministerial level cadre. To a large extent, Zhang Enzhao became the president of the head office of China Construction Bank, and already has absolute power in his own kingdom.Absolute power without restraint is often an invisible trap for an official who has little self-discipline.Leading cadres like Zhang Enzhao who have been promoted to three ranks in a rocket, or have worked in a position for more than ten years, their mentality is very easy to lose weight when they are too fast, or lose balance when they are too slow. They are looking for different opportunities to gain power or money, but they often don't know where the traps are waiting for them. At the beginning of 2002, Zhang Enzhao, who was in charge of CCB, began a difficult reform process.However, Zhang Enzhao has been unanimously affirmed by everyone with his outstanding ability.Inside CCB, there is a saying that "the ice and snow melt and the earth shines with grace", implying the status of the two leaders of CCB in the hearts of employees. 2004 was the most glorious year for Zhang Enzhao, when the total assets of CCB were nearly 3.8 trillion yuan. In July 2004, CCB ranked 21st among the world's top 1000 banks selected by the "Banker" magazine, ranking first among Chinese banks on the list. At the same time, by virtue of his outstanding achievements, Zhang Enzhao was named as the 2004 Economic Figure Candidate by CCTV's "Economic Half-hour" column.At that time, Zhang Enzhao carried out a pilot shareholding system reform for China Construction Bank, which became a milestone in the history of the development of my country's banking industry. But it is such an outstanding person who has made great achievements and achieved fame, but he fell down amidst people's astonishment.And Zhang Enzhao fell because he mistakenly drew an equal sign on the three "inequality" arithmetic problems. The first inequality, 200 million yuan is equal to 706,900 yuan In order not to add more personal touches to the narration, the definition of Zhang Enzhao's crime is firstly subject to the court's judgment.Before the court's verdict, the No. 1 Branch of the Beijing Municipal People's Procuratorate accused Zhang Enzhao of three crimes, all of which had one thing in common: accepting bribes.Of course, the court finally found these three crimes. The first crime of Zhang Enzhao was determined in the judgment of the Beijing No. 1 Intermediate People's Court: After trial, it was found that the defendant Zhang Enzhao successively used his position as the former vice president of China Construction Bank from October 2000 to early 2003. , the position of the president is convenient, accepting the request of Yang Zhenhuan, an investor of Beijing Haiyuanshan Company and Beijing Yishoufang Company, to apply for a loan of RMB 120 million from the original CCB Beijing Branch for Beijing Chinese National Park Company, and Beijing Haiyuanshan Company to the original Beijing Branch of China Construction Bank applied for a loan of RMB 80 million, and Beijing Yishoufang Company applied for a loan of RMB 49.7 million from the original Beijing Branch of China Construction Bank.For this reason, Zhang Enzhao received Hong Kong dollars 50,000 (equivalent to more than RMB 53,000) and US dollars 79,000 (equivalent to RMB 653,900) from Yang Zhenhuan 11 times during the Spring Festival in 2001 to 2004. More than 706,900 yuan. The words on the verdict may be dry, but the truth is very simple.The company invested by Yang Zhenhuan rented a house in the Chinese National Park in Beijing. In order to postpone the payment of the rent of the Chinese National Park, at the end of 2000, Yang Zhenhuan took advantage of the opportunity of the second phase of the construction of the Chinese National Park Company to find the chairman of the Chinese National Park to negotiate terms .Yang Zhenhuan promised to go through the loan approval procedures through Zhang Enzhao's relationship, but to postpone the payment of part of the house rent owed to the Chinese National Park.After the two parties reached an agreement, through Yang Zhenhuan's matchmaking, the chairman of the Chinese National Park met with Zhang Enzhao, and then CCB Beijing Chaoyang Sub-branch issued a loan of RMB 120 million to the Beijing Chinese National Park Company. Of course, apart from lending to the Garden of Chinese Ethnic Groups, Yang Zhenhuan also needed a loan. At the beginning of 2003, Beijing Haiyuanshan Company and Beijing Yishoufang Company operated by Yang Zhenhuan respectively applied for loans to the former CCB Beijing Chaoyang Sub-branch. approved.So Yang Zhenhuan found Zhang Enzhao, and under Zhang Enzhao's direct intervention, in August of the same year, the CCB Beijing Chaoyang Sub-branch issued a new loan of 30.1 million yuan to Beijing Haiyuanshan Company, and successively handled a total of 99.6 million yuan for the two companies. On-lending procedures for loans due in RMB. The final result of these loans was that, as of May 2006, the Beijing Chinese National Park Company had repaid the loan of RMB 67 million, and the loan balance was RMB 53 million.Yang Zhenhuan's loan collaterals are all real estate located in Wuhan City, Hubei Province, and these loans are all rated as substandard non-performing loans. On May 3, 2001, Zhang Enzhao accepted $3,000 from Yang Zhenhuan at the restaurant of the Portman Hotel in Shanghai.Zhang Enzhao received more than 200 million yuan in loans from Yang Zhenhuan 11 times, totaling more than 706,900 yuan. 200 million yuan is equal to 706,900 yuan. I don't know how Zhang Enzhao's account is calculated. The second inequality, 650 million yuan is equal to 809,500 yuan The second crime of Zhang Enzhao was determined in the judgment of the Beijing No. 1 Intermediate People's Court: After trial, it was found that the defendant Zhang Enzhao used his position as the former branch of the China Construction Bank from July 2002 to June 2004. Due to the convenience of the director’s position, he accepted the entrustment of Qin Hui, the chairman of SMI Media Co., Ltd. and Chongqing Changfeng Communication Co., Ltd., to apply for a loan of RMB 600 million from the original CCB Beijing Branch for SMI Media Co., Ltd., and to release the unexpired loan collateral guarantee and Provided assistance for Chengdu Changfeng Communication Company, a subsidiary of Chongqing Changfeng Communication Company, to apply for a loan of RMB 50 million from the former Chengdu Third Branch of China Construction Bank.For this reason, from May 2002 to early 2005, Zhang Enzhao received 100,000 yuan, 200,000 Hong Kong dollars (equivalent to more than 212,900 yuan) and 60,000 U.S. dollars from Qin Hui directly or through Zhang Jian and Zhang Jigang five times. yuan (equivalent to more than RMB 496,600), which is equivalent to more than RMB 809,500 in total. Qin Hui's name is far less famous than "Heaven and Earth", a nightclub famous for its extravagance in Beijing and even the whole country, and the owner of "Heaven and Earth" is this Qin Hui.As for other materials about Qin Hui, there are various opinions on the Internet. Let’s not spread rumors, but the testimony of "witness Qin Hui" in the court judgment shall prevail. The original text is as follows: Between July and August 2002, Star Beauty Media Co., Ltd. applied for a loan from the former China Construction Bank. Qin Hui asked Zhang Enzhao for help, and asked Zhang Enzhao many times to shorten the loan approval time. In November of the same year, under the care of Zhang Enzhao, Star Beauty Media Co., Ltd. received RMB 6 billion in loan amount. Between April and May 2004, Xingmei Media Co., Ltd. submitted a request to the Beijing Branch of the former China Construction Bank to release the mortgage rights of part of the loan collateral, and asked Zhang Enzhao to come forward to communicate with relevant personnel of the bank to solve the problem. In June 2004, Chengdu Changfeng Communication Company, a subsidiary of Chongqing Changfeng Communication Company, had a loan of 50 million yuan at the Chengdu Third Branch of the former CCB. After meeting with Mr. Zhao, the former president of the Sichuan Branch of China Construction Bank, he went through the on-lending procedures of RMB 50 million.In order to express his gratitude and hope that the enterprises he manages will get help from Zhang Enzhao in terms of bank loans, from May 2002 to early 2005, he gave Zhang Enzhao 100,000 yuan and Hong Kong dollars directly or through Sun, Zhang and others several times. 200,000 yuan and US$60,000. These situations are very clear in simple terms. In April 2004, Xingmei Media Co., Ltd. proposed to China Construction Bank to release part of the mortgage property rights for the company's asset restructuring. However, China Construction Bank believed that the release of loan mortgage property rights would cause credit risks and did not agree. Afterwards, Qin Hui intervened in this matter through Zhang Enzhao. .When Zhang Enzhao introduced Xingmei Media Co., Ltd. to the business department of China Construction Bank to handle loan business, in order for Xingmei Media to pass the bank credit review smoothly, the person in charge of the business department of the head office of CCB specially arranged for the deputy general manager of the business department to be the person in charge of the operation. As the deputy general manager of the business department, he only needs to be responsible for the credit business with a loan amount of more than 1 billion yuan.However, when evaluating the credit of Xingmei Media Co., Ltd., due to Zhang Enzhao's repeated reminders, the relevant departments did not seriously verify the credit status of Xingmei Media Co., Ltd., and only relied on the financial statements and other materials provided by Xingmei Media to form a customer credit rating. Assessment report and submission to credit approval committee for approval. In fact, in August 2002, during the credit investigation of Xingmei Media Co., Ltd., relevant personnel of China Construction Bank found that the company’s assets were small and the credit line applied for was not high, but they were told that Zhang Enzhao was very concerned about the company’s loan review. And urged them to complete the credit investigation as soon as possible, so they finally formed a customer evaluation report based on the introduction and information provided by Star Beauty Media Co., Ltd. As for the 50 million yuan in Sichuan, it is really a small amount. Qin Hui just wants to release the mortgage of part of the loan collateral, so as to achieve the purpose of "borrowing new ones to repay old ones".Zhang Enzhao asked the secretary to arrange for Zhao Moumou, the president of Sichuan Branch of China Construction Bank, to meet with Qin Hui. In June 2004, Qin Hui's Chengdu Changfeng Communication Company handled a loan of RMB 50 million. What can be confirmed is that the RMB 600 million loan of Star Media Co., Ltd. has all expired in February 2006. As of June 2006, the loan balance of Star Media Company was more than RMB 345 million, and the interest owed was RMB 33.88 million. Yu Yuan.As for the "borrowing new to repay the old" refinancing procedure in Chengdu, only the guarantor repaid the loan of 10 million yuan, and the remaining 40 million yuan has not been repaid. In these two loans totaling 650 million yuan, Zhang Enzhao got in return that when his father-in-law was hospitalized in Shanghai, Qin Hui’s consignor handed over 100,000 yuan to Zhang Enzhao’s wife.Zhang Enzhao's son received $20,000 transferred to him at the China World Hotel in Beijing before the Spring Festival in 2005.The reason for giving money this time is that Qin Hui once recommended a stock to Zhang Enzhao, but after Zhang Enzhao's son bought it, the stock did not rise but lost money.When Tan Hui found out, he said to Zhang Enzhao's son, "You lost more than 200,000 yuan in stocks. It's okay. If you lose it, I'll pay it. It's Chinese New Year. This is pocket money for you." The dollar was handed over to Zhang Enzhao's son. Anyone can figure out the disparity between 800,000 yuan and 650 million yuan.However, Zhang Enzhao, the president of China Construction Bank, was tacitly confused, and drew another equal sign. The third inequality, the president's face is equal to 2.6766 million yuan The third crime of Zhang Enzhao was determined in the judgment of the Beijing No. 1 Intermediate People's Court: After trial, it was found that the defendant Zhang Enzhao successively used his positions as the former president of China Construction Bank and CCB's share capital from 2002 to the end of 2004. The position of chairman of the limited company is convenient, and he accepted the request of Zou Jianhua, director of Hong Kong Hengchuang Technology Co., Ltd., in order to help Zou Jianhua obtain benefits, and violated the working principles and procedures of the bank's foreign affairs activities. International Business Machine Services Co., Ltd. (this company is the "IBM" we are familiar with) and the senior management of Anxun Co., Ltd. have business relations; and recommend Hong Kong Hitachi to their departments as the disaster recovery system of CCB Co., Ltd. Disk device vendor.For this reason, from December 2003 to July 2004, Zhang Enzhao received a pair of "Tifanie" brand watches (valued at RMB 19,000) and a massage chair (valued at RMB 10,000) from Zou Jianhua directly or through Zhang Jigang. 13,600 yuan) and a house in Room 701, No. 6, Lane 25, Wuxing Road, Xuhui District, Shanghai (valued at 2.644 million yuan), a total of 2.6766 million yuan.Before the incident, Zhang Enzhao paid HK$1.5 million to Zou Jianhua through Zhang Jigang in March 2005 in order to cover up the crime. Zhang Enzhao's third inequality, to put it bluntly, is to use his own face instead of a loan in exchange.According to media reports, Zou Jianhua was Zhang Enzhao's early neighbor. He is 47 years old. After graduating from a technical school, he worked as a worker in a TV factory.Zou Jianhua, the boss with Hong Kong identity, increased his popularity in the information technology industry and obtained huge rewards from it. Arranged by Zou Jianhua, Zhang Enzhao violated foreign affairs discipline. International Business Machine Services Co., Ltd., which has business cooperation with China Construction Bank, Anxun company and other company senior executives met. At the end of 2004, when Zou Jianhua learned that China Construction Bank needed to purchase disk storage equipment, he immediately recommended Hong Kong Hitachi as an equipment supplier to Zhang Enzhao. Although in the end he failed to win the bid due to the technical risks of Hong Kong Hitachi's equipment, Zhang Enzhao had already given Zou Jianhua enough face.Moreover, in this intermediary activity, Zou Jianhua added 225,000 US dollars of "service fees" allocated by the two companies to the account of HSBC in Hong Kong.In order to express his gratitude to Zhang Enzhao and hope to continue to receive Zhang Enzhao's help, Zou Jianhua gave Zhang Enzhao a pair of "Tifanie" brand watches, a massage chair and a massage chair in Shanghai from December 2003 to July 2004. 1 set of housing in Zhonghui Garden, Wuxing Road. In March 2004, Zhang Enzhao's son was getting married and wanted to buy a house in Shanghai.One day, when Zou Jianhua was having dinner with Zhang Enzhao's family, he proposed that he had a house in Zhonghui Garden, Wuxing Road, Xuhui District, which could be used for Zhang Enzhao's son's wedding.The three members of Zhang's family looked at the house. Zhang Enzhao's lover thought the house was old and dimly lit, and was dissatisfied; Zhang Enzhao's son thought it could be renovated.Zhang Enzhao's lover said that if you use it, you have to transfer the title, otherwise, the name will not be right.At that time, Zhang Enzhao understood what his wife said about the transfer of ownership without paying. He felt a little bit in his heart at that time, because he had heard before that some people committed crimes because their wives and children took over the house given by others. It is a crime to transfer the ownership.Zhang Enzhao said at the time that such a transfer would cause problems. Later, Zhang Enzhao's son suggested that he could buy it, but his wife insisted on transferring the ownership, and Zhang Enzhao didn't object any more. On June 30, 2004, the two parties signed a house sales contract, and agreed that the house price was RMB 1.5 million, and then went through the transfer procedures to transfer the house property to Zhang Enzhao's son. Until March 9, 2004, after Zou Jianhua was prosecuted for a foreign-related lawsuit, Zhang Enzhao was afraid that this matter would cause trouble for himself, so he asked his son to remit the "house purchase money" of HK$1.5 million to Zou Jianhua's Hong Kong HSBC account .This was the day before Zhang Enzhao was "shuanggui".But it was too late at this time, because Zhang Enzhao was also involved in this "foreign-related lawsuit". Don't forget in Ju, who will remind Zhang Enzhao December 9, 2004 was a day that changed his life for Zhang Enzhao.On this day, an American company sued him in a U.S. court, accusing him of violating the U.S. Foreign Corrupt Practices Act of 1977, accepting $1 million from a competitor, and accepting the competitor's invitation to travel to the world's largest One of the luxury golf courses in Pebble Beach California vacation.To prove this, the American company also took a sneak shot of Zhang Enzhao wandering on the golf course. According to the complaint against Zhang Enzhao, in May 2002, Zhang Enzhao was invited by AIS to Pebble Beach, California.It was during this golf trip in California that Zhang Enzhao and Jim Wilson, President of AIS International Department who accompanied him at the time, agreed to sign a new contract between CCB and AIS.In return, AIS paid $1 million to Zhang himself.At the same time, AIS will also pay Zou Jianhua a "consulting fee" of USD 3,500 per month. Pebble Beach in California is the most expensive golf course in the United States. There has been a precedent in the US judiciary. Government officials who are invited to play golf in Pebble Beach in California will be convicted of bribery. Rumors of Zhang Enzhao accepting bribes in the United States spread like wildfire.In fact, the $1 million bribe itself was a lie fabricated by American capitalists to defeat their opponents, and actually had nothing to do with Zhang Enzhao.However, Zhang Enzhao was still "shuanggui" on the evening of March 10, 2005. After that, Zhang Enzhao took the initiative to confess his crime of accepting bribes from others in China.Immediately, Zhang Enzhao was arrested on suspicion of accepting bribes. On November 3, 2006, the Beijing No. 1 Intermediate People's Court sentenced Zhang Enzhao to 15 years in prison for accepting bribes. Until the expiration of the appeal period, Zhang Enzhao still did not appeal, which means that the 60-year-old Zhang Enzhao will officially start his 15-year-long Prison life. The sentencing of the court is to punish the crime, and Zhang Enzhao's performance in court is also very calm.But all corrupt officials seem to have such characteristics. When they are in power and their glory is unlimited, they will inevitably expand their greed and fall into the abyss of power rent-seeking. Only when they are severely punished by the law are they finally willing to lower their eyebrows and meditate He even said "I'm sorry for the cultivation of the party" in a high-sounding manner.Perhaps the "Party" did not remind Zhang Enzhao of the words "Don't forget in Ju", but the "Party" has made him "serve the people" and educated him to keep in mind the purpose of the "Three Represents" since he can remember. Just forget it? People hate corrupt officials deeply. Their corruption and breaking the law have brought great harm to the country and the people, and financial corruption has caused the greatest harm to the national economy.Power-for-money transactions have caused hundreds of millions of "obstructions" to finance, the "blood" of the national economy, which not only poses a direct threat to my country's financial security, but ultimately endangers social stability and national security. It is conceivable that the bribers are all doing detailed cost calculations while paying the bribes. After paying the cost for the corrupt officials, they will undoubtedly get a return that is double the amount of their bribes.As a result, after Zhang Enzhao's personal pockets were enriched, CCB paid a heavy price of nearly 1 billion yuan including non-performing loans, and this price was not only a problem of the funding hole itself, but also brought about a credit crisis for the bank. , financial reform setbacks and a series of follow-up issues. In this sense, we don’t have to feel pity for Zhang Enzhao, and it’s understandable to even beat the dog in the water. But at the same time, we have to think about some deep-seated things. The news of Zhang Enzhao's demise hit the financial circle like a storm.This kind of shock is no less than that of his predecessor, Wang Xuebing.With the downfall of senior financial officials in recent years, Zhang Enzhao's personal fate seems to be able to provide a footnote for the path of some corrupt financial officials. The profound changes in the financial world and Zhang Enzhao's own ability have created him as a model who rose from the ground as a commoner in the city, but fate eventually made him start from Shanghai and go to a poor end.A close colleague of Zhang Enzhao when he was the president of Shanghai Branch of CCB said that Zhang Enzhao was not a greedy person when it comes to money. Zhang Enzhao is an "honest person", but in the end he fell into the word "greedy".Severely punishing corrupt officials is to warn those who come, and to warn those who come is to cure diseases and save lives. From this perspective, Zhang Enzhao can still be said to be a victim of the current financial corruption environment that has not been purified, and it is still regrettable. What do we regret and feel for Zhang Enzhao, who was imprisoned? Zhang Enzhao's actions have actually become the unspoken rules of the banking industry - granting loans to get kickbacks, importing equipment to get kickbacks, disposing of non-performing assets at low prices and turning public into private in disguise, etc.Over the years, this has become "practice" in the banking world.We might think that to be honest and clear in a high position now depends entirely on a high degree of self-discipline.The problem is that a high degree of self-discipline is extremely difficult in an environment that lacks strict institutional constraints.In many industries today, as long as there is some power, even if it is a small power, many people can use it for personal gain.仅仅在银行系统，小到信贷员，大到行长，给人的印象都很富，但其中许多富的来源我们却不甚清楚，其实大家也都很清楚。尤其贷款成为稀缺资源的时候，客户为了得到贷款大肆行贿，当徇私舞弊成风的时候，贪污受贿是“正常”的，反之却是不正常的。在这种情况下，只要无人举报举证，大家可以平安无事地中饱私囊。于是，大到部级高官张行长，小到刚刚参加工作的信贷员，都会普遍产生侥幸心理，在利益诱惑的面前难以抵挡甚至根本不愿意抵挡。一般的信贷员尚且如此，世界排名21位的中国建设银行行长张恩照，似乎也难以摆脱金钱的诱惑了。 张恩照从1964年12月进入建行到2005年3月被“双规”，工作了整整40年。这40年里，他从学徒干起，一直干到了建行统帅人物。这40年里，他的人生跌宕起伏，从早年从平民中崛起，到晚年提着球杆徜徉在大洋彼岸的高尔夫球场，再到中国的秦城监狱。像他的前任王雪冰，最终没能把这40年赢得的荣光带进暮年。在当领导的这些年中，有人提醒张恩照了吗？或者已经有人提醒过了，但张恩照却没有听进去。 人民币419.3万元，这是张恩照收受财物共计折合总数。这个数字对于张恩照这样掌管着3.8万亿元的银行家而言，只能算个零头，但是，他却倒在这“蝇头小利”上。案发后，涉案的所有赃款、赃物已全部追缴。 如此说来，贪官张恩照太不值得。难怪张恩照被“双规”之后，天天念叨着几乎相同的一句话：我对不起党的培养，对不起国家和人民。 其实，张恩照对不起的何止是党、国家和人民，他真正对不起的，是他从“草根”变成“大树”的艰苦过程，对不起的是他脚下的土地。 他的出生地山东莒县，就是那个“勿忘在莒”的莒县。