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關注:1
2013-05-23 12:21
求翻譯:要讓微小貸款實現普惠金融就要深入到欠發達地區,而這些地區信息數據等硬件配套不足就讓微小企業貸款業務成為勞動密集型金融服務。于是這里的問題就是信貸員的人力成本必須維持在一個較低的水平,否則即便通過努力使得壞賬很少,獲得的貸款收益也會被高額的人力成本所抵消,甚至會給銀行帶來虧損。從現有的實踐看,包商銀行的微小貸款發放額突破4億元時,微貸款部的工作人員已從4人增至160多人,由此成為包商銀行業務額最小、人數最多的部門,工資支出已占微小貸款業務成本的63%左右。是什么意思?![]() ![]() 要讓微小貸款實現普惠金融就要深入到欠發達地區,而這些地區信息數據等硬件配套不足就讓微小企業貸款業務成為勞動密集型金融服務。于是這里的問題就是信貸員的人力成本必須維持在一個較低的水平,否則即便通過努力使得壞賬很少,獲得的貸款收益也會被高額的人力成本所抵消,甚至會給銀行帶來虧損。從現有的實踐看,包商銀行的微小貸款發放額突破4億元時,微貸款部的工作人員已從4人增至160多人,由此成為包商銀行業務額最小、人數最多的部門,工資支出已占微小貸款業務成本的63%左右。
問題補充: |
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2013-05-23 12:21:38
正在翻譯,請等待...
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2013-05-23 12:23:18
You want to make small loans to benefit from an in-depth financial will be the less developed areas, which are hardware facilities such as information and data in the micro and small enterprises in labor-intensive financial services. So the problem here is that the credit of the cost of labor must b
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2013-05-23 12:24:58
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2013-05-23 12:26:38
To get the Pratt and Whitney micro-loans financial is to drill down to the less-developed regions, and not enough information in those areas and other hardware supporting labour-intensive micro-enterprise lending operations of financial services. So the problem here is the human cost of loan officer
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2013-05-23 12:28:18
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