Credit is not sufficient as a development tool. Not everyone in a poor community is an entrepreneur,
yet those without a business still need financial services. Even those who are entrepreneurs
do not want to be in perpetual debt. Perhaps more critically, loans to persons who
do not have the means to repay will make them worse off, not better.
信用不足以作为一个开发工具。虽然不是每个在贫穷社会的人都是企业家，但是那些没有业务往来的人也需要金融服务。甚至那些不想永久欠债的企业家。更严格地说，没有能力偿还贷款会使贷款的人境遇更差，而不是更好。
求高人修改一下哈