邮政储蓄银行小额信贷业务所面临的挑战是：业务知识和管理水平欠缺，人员素质有待进一步提高和各类各层次人才急需大量充实。

The challenges are as the below: lack of business knowledge and management capacity in terms of microcredit operation; and poor staff quality and lack of talented people at all levels.

youdao

邮政储蓄银行小额信贷业务所面临的挑战是：业务知识和管理水平欠缺，人员素质有待进一步提高和各类各层次人才急需大量充实。

The challenges are as the below: lack of business knowledge and management capacity in terms of microcredit operation; and poor staff quality and lack of talented people at all levels.

youdao