求翻译：本质上，信贷机构作为社会资本配置的一部分，它应该把钱借给能给它带来利润和有还款能力的企业和个人，可是一些缺乏风险控制经验的机构和管理者在面对高额的收益时候，由于不道德经营和缺乏监管容易忽视潜在的金融风险。一般来说，小额信贷机构最终发放的贷款额不管是每月还是整个的贷款额，都必须严格控制在贷款人净现金流内，不能超过这个人的还款能力。但是由于信贷机构的内部风险控制缺陷可能会造成一些家庭或者个人的过度负债。是什么意思？

In essence, the credit institutions as part of the configuration of social capital, it should give it to lend money to generate profits and repayment ability of businesses and individuals, but the lack of risk control experience of some organizations and managers in the face of high benefits, becaus

正在翻译，请等待...

Essentially, the credit organization took the social capital disposition a part, it should lend the money can bring to it the profit and has also the funds ability enterprise and individual, but some lack the risk control experience the organization and the superintendent faces the high quota income

In essence, the credit agencies as part of the social capital allocation, which should lend money can bring to its profits and repayment capability of businesses and individuals, but some lack of experience in risk control institutions and managers in the face of high earnings when, due to unethical

In essence, the credit agencies as part of the social capital allocation, which should lend money can bring to its profits and repayment capability of businesses and individuals, but some lack of experience in risk control institutions and managers in the face of high earnings when, due to unethical