求翻译：在我国这样的发展中国家，没有高质量的信用数据库，比起发达国家银行支付系统、社会信用意识、法律监管条件和小微企业成长环境都不够完善，因此，小微企业贷款过程不能像发达国家那样可以借助信用评分模型实现自动化，所以作为适合我国发展的微小企业贷款信贷技术应该是一种强调发挥客户经理的主观能动性的技术，通过人才激励约束机制来实现银行贷款的收益。是什么意思？

In developing countries such as there is no database of high-quality credit payment system compared to banks in developed countries, the social credit awareness, legal and regulatory conditions and environment for the growth of small micro-enterprise are not perfect, therefore, small micro-enterpris

正在翻译，请等待...

In our country such developing nation, does not have the high grade credit database, compares the Developed country Bank payment system, social credit consciousness, the legal supervising and managing condition and the small micro enterprise growth environment all insufficiently consummates, therefo

In my such of developing countries, no quality of credit database, than since developed Bank paid system, and social credit consciousness, and legal regulatory conditions and small micro-enterprise growth environment are enough perfect, therefore, small micro-enterprise loan process cannot like deve