求翻译：但喀什地区农村小额信贷尚处于发展初期阶段，主要面临的问题：农村金融体系不完善、农村金融服务产品单一、贷款利率高等，本文以喀什地区农村经济和农村金融发展为背景，就这些问题有针对性的提出了促进喀什地区农村小额信贷发展对策：完善农村金融体系、拓宽信贷资金来源、降低小额信贷机构运营成本，打造更具竞争性的农村小额信贷市场。是什么意思？

But the Kashi rural microfinance is still in the early stages of development, mainly face the problem: the rural financial system is imperfect, a single financial services products in rural areas, higher lending rates, Kashi rural economy and rural financial development on these issues targeted rura

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