求翻译：应建立完善的信用体系，进行贷款事前、事中、事后的控制。信贷部门事前审批贷款的时候要以信用档案为基础，综合考查贷款项目的风险性、市场发展前景及贷款回笼等因素来确定是否发放贷款、贷款数目、利率和期限；事中要强化监督管理，跟踪了解贷款的去向，确保贷款农户按审批用途使用信贷资金；事后将贷款回笼和项目发展情况载入农户个人信用档案，调整其信用等级。同时在农村地区开展有关金融和法律方面的知识讲座，提高农民的信用意识和法律知识水平，充分发挥社会舆论的监督约束作用，加大对违约农户的惩罚力度。是什么意思？

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Build credit system, take out a loan before and after, in the control. Prior approval of loans credit department to be based on credit records, loan projects integrated look at the risk of future development of the market, and the loan repayment, and other factors to determine whether or not to gran

Perfecting the credit system should be established, control of the loan beforehand, things,. Credit sector prior approval loan of when to to credit archives for Foundation, integrated test loan project of risk, and market development prospects and the loan return, factors to determines is issued loa