She took out a
microloan to start her own business.
她为了创业申请了一笔小额贷款。
The
microloan program has helped many entrepreneurs get off the ground.
这个小额贷款项目帮助许多创业者起步。
He repaid his
microloan ahead of schedule, demonstrating financial responsibility.
他提前偿还了小额贷款，显示出了良好的财务责任感。
Microloans are often used by low-income individuals to invest in their education or skills training.
小额贷款常被低收入人群用于投资教育或技能培训。
The non-profit organization provides
microloans to women in rural areas to support their businesses.
非营利组织为农村地区的女性提供小额贷款以支持她们的生意。
The bank offers special
microloan packages for small farmers to purchase seeds and equipment.
银行为小农户提供了特别的小额贷款套餐，用于购买种子和设备。
With the help of a
microloan, she was able to expand her bakery and hire more employees.
在小额贷款的帮助下，她得以扩大面包店规模并雇佣更多员工。
The
microloan interest rates are typically lower than those of traditional banks.
小额贷款的利率通常比传统银行的要低。
A microfinance institution is responsible for issuing and managing
microloans to its clients.
微金融机构负责向其客户提供并管理小额贷款。
The government has implemented policies to encourage banks to provide more
microloans to underserved communities.
政府实施了政策，鼓励银行向服务不足的社区提供更多的小额贷款。
In comparison, the leverage ratio of an online microloan firm is roughly just one to three times that amount.
"This would hence be a great leap forward for Ant, which has microloan companies in Chongqing that operate its consumer-lending platforms Huabei and Jiebei, which currently operate under microloan licenses," said Cao Lei, e-commerce director at the consultancy Internet Economy Institute.
Online small lending generated a large part of Ant Group's profits, which may no longer be so huge in the future, as China will impose tighter regulations on online small lending offered by microloan companies.
One of the key points of the draft rules is that microloan companies that are authorized to conduct online small lending business are required to provide at least 30 percent of loan funds for each online small loan they offer jointly with partner banks.
This will force microloan companies to cut down their high financial leverages, said Zeng Gang, deputy director-general of the National Institution for Finance and Development.
Under the new rules, however, the two microloan companies of Ant Group will need to replenish capital or reduce the amount of credit, experts said.
The China Banking and Insurance Regulatory Commission and the central bank also released on Monday the drafted regulations on online small lending offered by microloan companies, for which public opinions will be solicited till Dec 2.
China will impose tighter regulations on online small lending offered by microloan companies to prevent risks, ensure legitimate interests of customers, and promote the healthy development of such business.
Regulators aim to standardize online small lending, as microloan companies grew this type of business too fast in recent years, said Dong Ximiao, chief analyst at the Zhongguancun Internet Finance Institute.
Currently, 249 microloan companies are authorized to run online small lending business in China.
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