那是在2006年10月,工商银行IPO全球路演,从香港到迪拜,再搭夜班机凌晨到纽约后,在客房的《纽约日报》上看到一篇评论工行IPO的文章,该文对中国商业银行能否按市场化原则发放贷款充满质疑。几小时后,一场500多人参加的大型路演同样火药味十足,提的第一个问题就是,“你们是中国国有银行,政府干预贷款怎么办?怎么防范贷款风险?”。我回答说,“我们是商业银行,会按商业原则办事,如果不符合商业银行的风险管理, It was in October 2006, ICBC IPO global roadshow, from Hong Kong to Dubai, and then take the night flight to New York early in the morning, in the room, ”New York Daily News“ saw an article comment ICBC IPO, the article on China Whether commercial banks can issue loans on the principle of marketization is full of questions. A few hours later, a large-scale road show attended by more than 500 people also took on the same flavor of gunpowder. The first question to ask is: ”What are the state-owned banks in China? How should the government intervene in lending? How to prevent the risk of lending?“ I replied, ”We are commercial banks and will act according to commercial principles. If they do not meet the risk management of commercial banks,