求翻译：第一、由于单笔贷款规模小，银行放贷单位成本相对较高；第二，中小企业的账目往往不如大企业规范，银行难以获得充分信息；第三，中小企业往往缺乏有效抵押物；第四，中小企业本身面临的经营风险较大，导致银行的贷款风险加大。是什么意思？

First, due to the small scale of individual loan bank lending unit cost is relatively high; Second, the accounts of small and medium enterprises are often not as good as corporate norms, the bank is difficult to obtain sufficient information; Third, SMEs often lack the collateral; fourth operational

First, because the single small amount of the loan, the bank lending unit cost is relatively high; the first 2, small and medium-sized enterprises are often less accounts of the business, it is difficult to obtain adequate information bank; the first 3, small and medium-sized businesses often lack e

First, because the single loan scale is small, the bank makes loans the unit cost relatively high; Second, the small and medium-sized enterprise account was often inferior the big enterprise standard, the bank obtains the full information with difficulty; Third, the small and medium-sized enterprise

First, because the small size of the loans, Bank lending unit costs are relatively high; the second, specification for SME accounts are often not as large enterprises, banks difficult to obtain sufficient information; and, third, SMEs often lack effective collateral; IV, faced by SMEs themselves ope

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