手机银行方案还包含小额贷款，扩展了信贷渠道，而且能够建立贷款人的信用记录。
M-banking schemes can be combined with microfinance loans, extending access to credit and enabling users to establish a credit history.
他们对一家小额贷款公司的信用评分软件进行了调整，只有那些只有少量信贷历史的人可以作为贷款对象。
They tweaked the credit-scoring software of a microfinance firm so that only a random subset of people with marginal credit histories were accepted as clients.
阿塔利先生提倡兼并20国集团与联合国安全理事会，同时也想通过小额贷款和信贷帮助世界上那些贫困国家。
Mr. Attali advocates a union of the G20 and the UN Security Council, but he also wants to help the world's poor through microfinancing and loans.
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