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.
并提出短期内通过再贴现工具扩张低风险信贷渠道，重建社会信用关系；
The articles, hereby, point out that we should expand credit channel with low risks and rebuilt social credit relationship through rediscount methods in short term;
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