By providing the money and products for reps to get started, "we're one of the largest micro-lenders in the world today," Jung notes.

雅芳在创业初期为经销商提供资金和产品，钟彬娴强调：“因此，我们是目前世界上最大的小额信贷机构之一。”

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But micro lenders also face higher operating costs compared to traditional lenders. Groups like the Asian Development Bank oppose limits on interest rates because of these high business costs.

但是与传统借贷者相比，小额贷款者的运营成本更高。由于高昂的运营成本，类似于亚洲发展银行这样的组织反对对利率施加限制。

youdao

The organization has also built partnerships with micro-lenders, so when students are ready, the lenders provide financing.

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The micro-lenders, as the sharks like to be called, protest that this will make it harder for low-paid civil servants to borrow money.

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