求翻译：在小额信贷工作中，小额信贷的最终目的不是放款、收款，而是如何辅助建设，提高低收入阶层的资本经营能力和生产技术的掌握。农户需要的不仅仅是资金，还需要更多与资金配套的其它服务，如农业科学技术、农产品市场信息等，这就要求地方政府与农信社_起为农民低费或免费提供此类服务，从长远来看，这样做会使农村信贷机构与农户获得双赢的效果。一方面要考虑农民的承受能力，而实际上，真正需要资金的农户最关心的往往并不是利率的高低，而是能否获得贷款，即使小额信贷利率稍高于商业利率，农户仍然是可以承受的。是什么意思？

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In the areas of micro-finance, micro-credit loans are not the ultimate goal, the beneficiary, but how to improve secondary building, low-income sectors of the capital management capacity and the production technology. Farmers need to be more than just money, there was a need for more funds to the ot

In the jot credit work, the jot credit final goal is not loans, the collection, but how is assists constructs, enhances the low income social stratum the capital business capacity and production technology grasping.The peasant household needs is not merely a fund, but also the need are more with the

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