求翻译：请输入您需要翻邮储银行的小额贷款业务主要是面向城乡个体工商户、种植户、养殖户发放的一种无需抵押，仅仅依靠担保人信用所提供的担保贷款。这种贷款金额较小，手续简便，实用性很强，是邮储银行利用自身特点优势开发出的一种差异化信贷产品，在全国范围内得到了迅速地发展，但随之而来的逾期率也呈现不断走高的趋势，小额贷款业务的风险初步显现是什么意思？

Please enter your postal savings banks need to turn the micro-lending business primarily for urban and rural individual industrial and commercial households, farmers, farmers without payment of a mortgage credit guarantor alone provide secured loans. The loan amount is small, simple procedures, very

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Please input you to need to turn the postal Chu bank the jot loan business mainly is faces the city and countryside individual engaged in commerce, the planter household, the cultivation household provide one kind does not need to mortgage, merely depends upon the secured loan which the guarantor cr

Please enter you need to turn the postal savings bank micro-credit business is mainly oriented to the urban and rural areas of industry and commerce, farmers, breeding them without having to mortgage, just on the guarantees provided by the sponsor's credit loans. Loan amounts smaller, simplicity, us