问题描述：
哪位好心人可以帮我把下面这段话翻译成英文?不要在线翻译要专业点的,谢谢
抗风险能力较低. 随着市场经济的发展,在大多数领域形成了买方市场,市场竞争日益激烈.中小企业在利用经济资源、获取市场信息、争取外部支持等方面明显比大企业逊色.同时,中小企业生产经营领域的技术、资本等进入壁垒较少,竞争主体多,大量中小企业的存在使其之间的竞争也日益激烈.因而,在市场出现剧烈动荡的时候,在金融危机出现的时候,受到冲击最重的往往是中小企业.抗风险能力较低的劣势使得中小企业,尤其是创办时间不长的中小企业失败率较高.
资金不足. 中小企业在贷款方面,由于资本实力较弱,符合银行偏好的抵押物或质押物不足,使得中小企业信用等级普遍偏低,取得银行贷款困难较大.与大企业相比,中小企业贷款规模不大,银行对中小企业贷款缺乏规模经济效应,单位经营成本相对较高,这无疑降低了银行向中小企业提供融资的积极性.此外,中小企业不惜通过损害自身信用来获取短期利益,存在欠息、逃债、赖债、恶意偷税欠税等行为,从而影响了中小企业的整体信用形象,进一步加重了中小企业的融资难度.
人才缺乏. 中小企业人数较少,实力较弱,社会影响力较小,相比大企业缺乏吸引高素质人才的优势,造成员工素质较低,管理和技术人才匮乏.大量中小企业属于家族式企业,企业决策、管理等重要岗位通常都由企业主及其家族成员,或是关系密切人占据,企业用人的封闭性特征较为明显,外部人才遭到一定程度的排斥.其结果是,独断决策、经验管理较普遍,现代管理、民主管理、战略管理较缺乏.随着企业的发展,人才缺乏带来的中小企业经营管理水平不高、业务能力不强等问题凸现出来.
问题解答：
我来补答
With the development of market economy, in most fields form the buyer's market, market competition is becoming increasingly fierce. Small and medium-sized enterprises in the use of economic resources, to get market information, strive for external support and so on obvious than large corporations in the shade. Meanwhile, small and medium-sized enterprise production and management in the field of technology, capital, etc barriers to entry is less, the competition entities, lots of small and medium-sized enterprise existence enables its also increasingly fierce competition between. Therefore, in the market appears severe turbulence in financial crisis, suffer the heaviest often is the medium and small enterprises. Anti-risk ability inferior the inferiority of medium and small-sized enterprises, especially small and medium-sized enterprise founded time is not long failure rate is higher.
Lack of funds. Smes in the loans, since capital weaker, meet the bank preference mortgages or the pledge is insufficient, medium and small-sized enterprises generally very low, credit rating is difficult to obtain bank loans. Compared with large enterprises and small and medium-sized enterprises loan scale is not large, bank loans to small and medium enterprises lack economies of scale effect, the unit operation cost is relative taller, this undoubtedly reduces the bank to small and medium-sized enterprises provide financing the enthusiasm. In addition, small and medium-sized enterprises at through the damaging their credit to obtain short-term interests, existence QianXi, increasing, lai debt, malicious behavior such as evade taxes, which affect the sme credit, further weaken the overall image of the sme financing difficulty.
Lack of human resource. Small and medium-sized enterprise smaller and weaker, the social effect is smaller, compared with large enterprises lack attract high-quality talent advantage, causing the staff quality is low, management and technical talents shortage. Lots of small and medium-sized enterprises belongs to family-run enterprises, enterprises of decision-making, management and other important positions usually by entrepreneurs and their family members or close relations between people occupy, enterprise employing the closed features are relatively obvious, the external personnel by a certain degree of rejection. As a result, arbitrary decision-making, experience management are common, modern management, democratic management, strategic management is lacking. Along with the development of enterprise, the lack of human resource management of small and medium-sized enterprises brings level is not high, the business capability is not strong, etc special prominence.
