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

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.