求翻译：小额信贷(microfinance)是指为低收人阶层包括贫困户提供的一种贷款和存款服务。其中，贷款一般只能用于生产而不用于消费，通常具有以下一些特征：额度小、期限短、分期还款、不需担保或灵活多样的担保形式、市场利率水平、贷款群体成员的自我组织等等。作为一项解决农村地区资金短缺状况的制度创新，小额信贷为广大低收入群体提供了多元化的金融服务，开辟了一种以市场经济方式减轻贫困的新渠道，也为全面推进我国社会主义新农村建设进程和农业经济发展提供了一条有效途径。是什么意思？

Microcredit (microfinance) refers to the poor households to provide a loan and deposit services for low-income class. The loans are generally only be used for production rather than for consumption, usually has the following characteristics: a small amount of short-term installments, without guarant

Micro-credit, microfinance) is referred to as low-income households, including people with a form of credit and deposit services. In general, the loans can only be used for production and not for consumption, usually with some of the following characteristics: small scale, short duration, by install

Jot credit (microfinance) is refers for buys a girl child lowly the social stratum one kind of loan and the deposit service which provides including the impoverished household.Among them, the loan only can use in generally producing does not use in expending below, usually has some characteristics:

Microfinance (microfinance) is defined as low income sectors including a poor loan and deposit services. Among them, production without loans may only be used for consumption, typically have the following characteristics: a line of small, short duration and instalments, without guarantee or flexible

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