其主要原因在于对小额信贷的风险认识不清，没有真正建立其风险预警和防范体系。

The main problem lies in the lack of a clear understanding of the risk involved and the failure to establish a risk warning and prevention system.

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小额信贷是一个通用术语，指的是为经常被排除在正式的银行体系之外的穷人提供金融服务。

Microfinance is a general term that refers to the provision of financial services for the poor who conventionally have been excluded from the formal Banking system.

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