牛锡明表示，工行建立了计算机系统来管理贷款，可以向下追究到分行一层，令工行总行可以有效控制整个信贷过程。
Mr Niu says ICBC has built a computer system to manage loans , which allows it to bore down to the branch level , giving its head office effective control over the entire credit process .
牛锡明