In the 21st century of the knowledge and economic time and facing with the fact of bursting data but poor knowledge, data mining has been put forward and applied in many fields of database management.

21世纪是知识经济的时代，面对数据爆炸而知识贫乏的现实，人们提出数据挖掘思想，并将其广泛应用到数据库管理的各个领域。

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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.

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。

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