预付保证金 meaning in English

deposit premium

Their reluctance has been put down to ignorance ( farmers do not appreciate the benefits of fertiliser until they have tried it ) , timidity ( they are wary of upfront commitments of money and prefer farming that delivers a reliable , even if low , return ) or illiquidity ( farmers cannot get the credit they need to afford seeds and fertiliser )
他们不情愿施肥或是因为无知（他们在尝试之前难以领会施肥的好处），或是因为胆怯（他们对待预付保证金很谨慎，而宁愿采用低产但可靠的耕作方式），或是因为缺乏资金（农民不能获取购买种子和化肥的贷款）。