This diagram depicts retail lending as a high level business service that comprises multiple processes such as loan origination, loanservicing, and loan closure.
Interest rates of 20-30% May seem high but so are recovery and loan-servicing costs in remote villages.
20 - 30%的利率似乎很高，但是这样做可以收回偏远农村地区的贷款成本。
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CitiFinancial will also convert 182 U.S. branches into "servicing centers" catering to customers who might need loan modifications or other debt restructurings, she said.