在对小额信贷运行机制的论述中，着重分析了团体贷款、分期付款及担保替代等机制的运行规律，并引入相关模型加以证明。

In the discourse of microfinance operation mechanism, focus on the operation law of the group loans, hire purchase and assured substitution, and the relevant model be introduced and proved.

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如果你不能付现金买电视机，你可以与负责信贷的经理商定分十二次分期付款。

If you aren't able to pay cash for the television set, you can make arrangements with the credit manager for 12 payments.

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