Certification and Conversion Mode of Learning Achievement Based on Credit Bank under the Background of Higher Vocational Enrollment Expansion

Credit bank system is a very important management mode in current higher vocational education,and it is also an important means for the Ministry of Education to promote China's modern education reform.This paper combines the specific background of higher vocational enrollment expansion,expounds the practical significance of the credit bank system in the training of the expanded enrollment talents,and explores the methods and rules of the authentication and transformation of the learning achievement of the expanded enrollment students under the system.In order to achieve convergence of different types of learning results,smooth talent growth channel,a useful exploration is carried out.

A Probe into the Talent Training Mode of Vocational Colleges with"l+X"Certificate System based on Credit Bank

Based on credit bank,the"1+X"certificate system is a"flyover"for learners to interchange between the academic and vocational education.It is a significant innovation to promote high-quality vocational education development and enhance the influence of national vocational education.Vocational colleges can implement"1+X"certificate system via the credit bank and in turn,the popularization of the"1+X"certificate system would enrich and improve the former.China's development of the credit bank and the existing research on the"1+X"certificate system are analyzed to look for a way in the collaboration of credit bank and the T+X"certificate system.The firm collaboration as well as the connection and optimization between government,schools,and enterprises as one body form a new talent training mode with the"1+X"certificate system that integrates academy and certificates as well as involving both,schools and enterprises according to China's credit bank concept.

Airtime Credit Banking: From Two Applications to One Application

This paper proposes how airtime credit could be used for banking purposes. The aim is to provide a means of converting airtime credit of any network service provider to a credit alert for a particular bank account user. This paper shows a simple implementation of the proposed system. The advantage of the proposed system is that it allows customers the right to convert their purchased airtime credit to a credit alert at anytime when they no longer wish to use the airtime credit again. Furthermore, it explains the limitations of the proposed system considering regulations in different countries of deployment. This approach could be extended to cover other vouchers for banking applications as well.

Application of the Credit Metrics in the Credit Risk Management of Commercial Banks

Credit risk is one of the main risks the commercial banks faces all over the world,especially in the risk structure of the banks of China.In order to control credit risk more scientifically,we shall connect the qualitative analysis and the quantitative analysis.Put forward by J.P.Morgan Credit Metrics model is the application of the VaR in the field of credit risk,showing great advantage in quantitative bonds and credit risk of loan.This paper studies the Credit Metrics model and analyzes the hypothesis and framework of this model,attempting to explore the application of the model in China in order to promote the realization of the risk quantification of the commercial banks of China.

Bank Credit and Agricultural Output in Bangladesh: An Econometric Analysis

In this study,the authors tried to identify the relationship between bank credit and agricultural output in Bangladesh.Simultaneously impact assessment of bank credit on agricultural output is also investigated.Different econometric techniques are used to determine the nature of the relationship between bank credit and agricultural output and the impact of bank credit.A total of 40 years(1981-2020)of annual time series data were collected from the Annual Reports of the Bangladesh Bank and World Bank’s world development indicators.Stationarity and cointegration tests were performed initially and then analyzed with Vector Error Correction Model,confirming a long-run relationship between bank credit and agricultural output.Additionally,univariate and multivariate OLS models are performed to identify the magnitude of bank credit’s impact on agricultural output.Both models revealed that bank credit positively and significantly affects agricultural production in Bangladesh.Based on these findings,the authors recommend additional fund allocation to the agricultural production system by the banks in Bangladesh.

Issues concerning Development of Consumer Credit Business in China's Agricultural Bank

This article introduces the status quo of consumer credit business in China's agricultural bank,indicating that the scale of China's consumer credit business is expanded year by year;the growth of consumer credit business slows down;housing loans grow rapidly.We analyze issues concerning development of consumer credit business in agricultural bank as follows:single variety of consumer credit business makes the operating scope narrow;the formality of consumer credit business is trivial,abating consumers' will to borrow;consumers' consumer attitudes are stale,yet to be further changed;the loan interest of consumer credit is beyond the majority of consumers' actual ability to pay;the existing regulations and systems are not sound;the risk prevention mechanism is not perfect.Based on this,we put forward the following countermeasures and proposals for further improving consumer credit business in China's agricultural bank:first,formulate reasonable marketing strategy of consumer credit business;second,establish and improve the internal management mechanism;third,establish and improve risk assessment system;fourth,improve consumer credit legal system.

培养创新创业能力的职业教育模式研究

如何更加高效地培养学生创新创业能力,探索出既不烦琐又可操作且广泛适用的职业教育模式,是现阶段各大高职院校亟须解决的重要课题。为进一步促进高职院校培养创新创业能力的职业教育模式改革与发展,对现有高职创新创业教育模式存在的弊端进行分析,提出“厚植学生创新创业观、完善高职院校创新创业教育体系、优化高职院校创新创业实践体系、建立健全创新创业能力培养评价机制”等策略,助力职业教育高质量发展,培养出理念先进、技术扎实、素养过硬的新时代复合型人才。

基于学习成果应用的学分银行建设探索——以上海市终身教育学分银行为例

学习成果的应用是学分银行存在和发展的基石。学分银行中学习成果应用价值发挥有利于促进学习者终身学习,为构建服务全民终身学习的教育体系赋能助力。当前学分银行面临学习成果“只存不用”的困境,上海市终身教育学分银行在探索学习成果应用价值层面建构了学习成果应用共同体、搭建了学习成果应用平台,创新了学习成果应用模式,为攻克学习成果应用困境提供了经验参考。未来学分银行可从激发学习成果高频应用主体需求、内外联动建立全纳的学习成果应用数据库和基于多维数据分析开拓学习成果新应用等拓宽学习成果应用路径,为实现学分银行内生发展开拓新势能。

基于区块链技术的国家学分银行系统研究与设计

区块链作为一种新兴技术,具有去中心化和不可篡改等特征,它能为学分银行建设提供技术支持。突破以往从理论上论证区块链技术服务于学分银行建设的可行性,以国家开放大学推进学分银行建设实践为依托,系统介绍了区块链+学分银行的应用案例。同时,对基于区块链技术的国家学分银行系统可能存在的技术风险进行分析,并提出应对方案。

“双元制”下职业教育学分银行的现实困境、发展方向与改进路径

职业教育学分银行建设是强化职业教育类型属性、推动技能型社会建设、打造国家资历框架的综合性项目,也是推动职普融通、产教融合、科教融汇的系统性工程。在职业教育与学术教育“双元制”育人范式下,职业教育学分银行还存在框架制度不完善、功能结构不健全、管理运行有滞碍、评估评价尚待改进等制约性因素,外部应用还存在机制、跨界、管理的时度效等制度性障碍。当前,必须明确学分银行未来建设发展的方向,致力打造成为教育与技术协同互动的桥梁纽带、职业教育高质量发展的统筹抓手、职业教育系统化改革的重要内容。因此,要以“双元制”范式为指引,建立学分银行的组织框架,健全学分银行的功能属性,创新学分银行管理模式,规范学分银行评价体系,真正推动职业教育学分银行赋能、提质、增效。

征信服务平台奖惩机制下小微企业融资三方演化博弈及仿真分析

当前,我国小微企业融资主要以抵押贷款为主。在信用经济的背景下,如何发挥小微企业信用价值,进而以“信用”换贷款是解决小微企业融资难的关键。通过构建“小微企业—商业银行—征信服务平台”的三方演化博弈模型,探究征信服务平台能否改变小微企业融资形势,从而为激发民营经济更多活力提供政策支持。研究结果表明:征信服务平台通过建立合理的奖惩机制,满足对小微企业的奖惩之和大于贷款本金的条件,才能保证演化稳定市场环境下的小微企业获得高效融资。基于此,利用Matlab2022b进行仿真分析,提出相应的政策建议,具体包括:一是建设全国统一的征信服务平台;二是建立守信联合激励和失信联合惩戒长效机制;三是推出多种类、有特色的小额信用贷款产品。

终身教育体系下的学分银行建设:现状、问题与对策

针对终身教育体系下学分银行在实际建设过程中面临的现状问题,提出科学的应对策略,进一步推动学分银行在我国教育事业中的成长与发展;通过建立学分银行这一模式,真正地展现出现代化教育存在的意义和价值,为学习者提供一个公正、公平、客观、透明的教育环境,提升教育工作的质量和效率,助力学习者的学习与进步。

金融科技、商业银行绩效与绿色信贷增长

双碳背景下,研究金融科技发展对商业银行绿色信贷增长的影响效应,对促进银行业推动绿色转型,实现双碳目标具有重要意义。基于19家商业银行非平衡面板数据,运用固定效应模型和中介效应模型,实证分析了金融科技对商业银行绿色信贷增长的影响及作用机制。研究结果表明,金融科技能显著推动商业银行绿色信贷增长,其中金融科技的覆盖广度的影响更为显著;利用工具变量法检验后,结论仍然稳健;金融科技对不同类型的商业银行绿色信贷增长的影响存在异质性,国有银行过度依赖政策导向以及城市农商银行受限规模大小影响,导致金融科技对绿色信贷增长影响不显著。机制检验表明,金融科技可以通过提高商业银行绩效进而促进绿色信贷的增长。