求翻译：要让微小贷款实现普惠金融就要深入到欠发达地区，而这些地区信息数据等硬件配套不足就让微小企业贷款业务成为劳动密集型金融服务。于是这里的问题就是信贷员的人力成本必须维持在一个较低的水平，否则即便通过努力使得坏账很少，获得的贷款收益也会被高额的人力成本所抵消，甚至会给银行带来亏损。从现有的实践看，包商银行的微小贷款发放额突破4亿元时，微贷款部的工作人员已从4人增至160多人，由此成为包商银行业务额最小、人数最多的部门，工资支出已占微小贷款业务成本的63%左右。是什么意思？

正在翻译，请等待...

You want to make small loans to benefit from an in-depth financial will be the less developed areas, which are hardware facilities such as information and data in the micro and small enterprises in labor-intensive financial services. So the problem here is that the credit of the cost of labor must b

To get the Pratt and Whitney micro-loans financial is to drill down to the less-developed regions, and not enough information in those areas and other hardware supporting labour-intensive micro-enterprise lending operations of financial services. So the problem here is the human cost of loan officer