银行通常适用这种模式，它们分别划分成小额银行业务、信用卡和抵押贷款服务。
Banks often fit this model with separate divisions for retail banking, credit card, and mortgage services.
但是小额信贷公司想要进驻手机银行业务还有很多挑战。
But there are challenges for MFIs seeking to enter mobile banking.
据微型银行通讯(MicroBankingBulletin)的研究报告，小额信贷业务剔除通胀因素后的资产收益率约为2.5%，与商业银行业务持平。
A study by the MicroBanking Bulletin puts the inflation-adjusted returns for lenders at around 2.5% of assets, on a par with commercial banking.
据微型银行通讯(MicroBankingBulletin)的研究报告，小额信贷业务剔除通胀因素后的资产收益率约为2.5%，与商业银行业务持平。
A study by the MicroBanking Bulletin puts the inflation-adjusted returns for lenders at around 2.5% of assets, on a par with commercial banking.
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