“五位一体”模式的商业银行信贷管理学实验教学改革探讨

作为金融学专业三大主干课程之一,商业银行信贷管理学是一门实务操作性非常强的应用学科课程。文章从教材选择、教学内容、教学方法、教学实践和课程考核方式等几个方面,对目前商业银行信贷管理学教学过程的主要难点进行了深入分析,在此基础上探讨了"五位一体"模式的实验教学改革途径,以实现良好的课程教学效果和金融学人才培养的最终目标。

A Tentative Analysis of the Use of Potential by Commercial Bank in Controlling Credit Scale

This article brings forward the conception of potential and filed potential in bank's competition under the inspiration of law of electric current in electrodynamics. It discusses the impact of potential shifting on commercial bank's credit scale and builds up a model for commercial bank to control the scale by credit pricing and risk policy in a dynamic way, and also gives some advice to domestic commercial bank for improving loan business, aiming to settle down the existing credit management problems.