求翻译：这是近来部分股份制银行推出的一项新贷款品种，它能较好帮助银行防范贷款风险。这种贷款是借款人通过缴纳一定保证金的方式组成互助的联合担保小组，相互提供贷款保证担保，银行以此发放一定额度的贷款。这种贷款不需要其它的抵押和担保，更多地依靠企业之间的互相监督和约束。上海银行、上海农业银行等城商行是此类贷款的先驱，且已相当成熟，特别受各地行业协会的欢迎。是什么意思？

This is part of joint-stock banks have recently launched a new loan types, it can better help banks prevent credit risks. This loan is the borrower must pay the deposit by way of a joint security team composed of mutual aid, mutual guarantee loan guarantee, the bank paid a certain amount of this loa

This is the recent release of the shareholding banks part one of the new loan varieties, it can better help the banks protect against risk of loans. This kind of loans that the borrower pay a deposit by way of mutual assistance consists of joint security group to provide to each other, and bank loan

This is the recent joint-stock Bank launches a new loan, it can better help protect Bank loan risks. Loan borrowers by paying a certain margin of joint security group formed in assistance, mutual loan guarantee, banks to make a certain amount of the loan. Does not require other collateral and guaran