求翻译：但就实际运作的情况来看，我国目前小微企业贷款的开展并不理想，除了极少数银行由于天时地利人和的原因成功走上规模效益道路之外，大部分银行都陷入了进退两难的境地。是什么意思？

But on the actual operation of the present small micro-enterprise loans to carry out is not ideal, in addition to a very small number of banks due to favorable factors successfully embarked on the road of economies of scale, most banks are caught in a dilemma .

正在翻译，请等待...

正在翻译，请等待...

But on the practical operation of the circumstances, is not ideal for small micro-enterprise loan currently in China, except for a very few banks success because of the kinda person and embark on the path of scale in addition to most of the banks are caught in a dilemma.

But on the situation which operates actually looked that, our country the small micro enterprise loan development is not at present ideal, besides few banks because weather altruistic and the reason success steps onto the scale benefit path, the majority of banks all fell into the region in a dilemm