一、什么是学分银行？

1.WEISHENMEYAOJIANZHEJIANGSHENGZHONGSHENJIAOYUXUEFENYINXING？

《ZHEJIANGSHENGZHONGZHANGQIJIAOYUGAIGEHEFAZHANGUIHUAGANGYAO（2010-2020NIAN）》TICHU：“YAOJIANLIXUEFENYINXING，WANSHANGONGMINXUEXIXINXICHUCUN、XUEFENHURENYUZHUANHUAN、XUEXIXINYONGGUANLI、XUEXIXINXITONGJIDENGZHIDU，TUIJINBUTONGXUEXICHENGGUOHURENXIANJIE。”JIANSHEZHEJIANGSHENGZHONGSHENJIAOYUXUEFENYINXING，SHICUJINGEJIGELEIJIAOYUZONGXIANGXIANJIE、HENGXIANGGOUTONG、DAJIANZHONGSHENJIAOYU“LIJIAOQIAO”DEYOUXIAOTUJING，DUIQUANMIANTUIJINZHEJIANGSHENGZHONGSHENJIAOYUTIXIJIANSHE，MANZUQUANTISHEHUICHENGYUANZHONGSHENXUEXIDUOYANGXING、QUANMIANXING、XUANZEXINGFAZHANDEXUYAO，SHENHUAWOSHENGJIAOYUGAIGEHEFAZHAN，JIAKUAIJIANSHE“RENRENJIEXUE、CHUCHUKEXUE、SHISHINENGXUE”DEXUEXIXINGSHEHUI，JUYOUZHONGYAOYIYI。

2.SHENMESHIZHEJIANGSHENGZHONGSHENJIAOYUXUEFENYINXING？

ZHEJIANGSHENGZHONGSHENJIAOYUXUEFENYINXINGYOUSHENGJIAOYUTINGZHUGUAN，YIFUWUXUEXIXINGSHEHUIJIANSHE、DAJIANZHONGSHENXUEXI“LIJIAOQIAO”WEIZONGZHI，MIANXIANGQUANTISHEHUICHENGYUANKAIZHANXUEXICHENGGUORENZHENGHEXUEFENGUANLI，SHIQUANMIANTUIJINZHONGSHENJIAOYUTIXIGOUJIANHEXUEXIXINGSHEHUIJIANSHEDEZHONGYAOZAITIYUPINGTAI。

XUEFENYINXINGGUANWEIHUISHIXUEFENYINXINGDELINGDAOJUECEJIGOU。XUEFENYINXINGGUANWEIHUIXIASHEXUEFENYINXINGZHUANJIAWEIYUANHUIHEXUEFENYINXINGGUANLIZHONGXIN。

3.ZHEJIANGSHENGZHONGSHENJIAOYUXUEFENYINXINGDEJIANSHEMUBIAOSHISHENME？

GOUJIANMIANXIANGQUANSHEHUIDEXUEXICHENGGUORENZHENGTIXI，JIANLIKECHENGZHENGSHU、ZIGEZHENGSHU、XUELIZHENGSHU、XUEWEIZHENGSHUDENGGOUTONGXIANJIEDEZHIDU，SHIXIANXUELIJIAOYUNEIBU、XUELIJIAOYUYUFEIXUELIJIAOYUZHIJIANDEHUTONG，JIANCHENGYIXUEXICHENGGUORENDING、JILEIYUZHUANHUANWEIZHUYAOGONGNENG，GOUTONGBIANJIE、XIANJIESHUNCHANG、HEZUOJINMI、YUNXINGWENDINGDEXUEFENYINXING。

二、学分银行有哪些主要功能？

1.XUEXICHENGGUORENDINGJILEIDEGUANLIGONGNENG

RENDINGGONGNENG：RENDINGXUEXIZHEHUODEDEZHONGSHENJIAOYUGELEIXUEXICHENGGUO；

JILEIGONGNENG：JIANLIGERENXUEXIDANGANKU，JILEIXUEXIZHEDEZHONGSHENXUEXICHENGGUO；

CHAXUNGONGNENG：TIGONGGERENXUEXIDANGANDEZAIXIANCHAXUNDENGFUWU；

ZHENGMINGGONGNENG：TIGONGXUEXIZHEGERENXUEXICHENGGUOZHENGMINGDENGFUWU。

2.XUEXICHENGGUOZHUANHUANFUWUDEPINGTAIGONGNENG

XINXIGONGGAOFUWU：GONGBUXUEFENYINXINGRENDINGDEXUEXICHENGGUOLEIXING、XUEXICHENGGUORENDINGBANFADENGXINXI，TIGONGXUEXICHENGGUORENDINGXINXIFUWU。

BIAOZHUNZHIDAOFUWU：GONGBUXUEXICHENGGUOZHUANHUANGUIZE、DUIHUANBIAOZHUN、JIANGLICUOSHI，TIGONGXUEXICHENGGUOZHUANHUANZHIDAOFUWU。

ZHUANHUANPINGTAIFUWU：GENJUGUIDINGTIGONGXUEXICHENGGUOZHUANHUAN、DUIHUANHUOJIANGLIFUWU。

CHENGGUOXINXIFUWU：XUEFENYINXINGGERENXUEXIDANGANCHENGGUOZHENGMINGKEZUOWEIGAOXIAODENGJIAOYUJIGOUXUEXICHENGGUORENDING、XINGYEQIYEJIUYEFUWUDEYIJU。

3.JIAOYUDASHUJUZHENGHEGONGNENG

三、学分银行有哪些主要业务？

XUEFENYINXINGYEWUZHUYAOBAOKUOGERENYEWUHEDUIGONGYEWULIANGBUFEN。

GERENYEWUYIBANYOUXUEXIZHANGHUZHUCE，ZHONGSHENXUEXIDANGANGUANLI，XUEXICHENGGUORENDING、JILEIYUZHUANHUAN，XUEXIXIANGMUTUIJIAN，XUEXIZIXUN，XUEFENCHAXUNYUXUEFENZHENGMINGCHUJUDENGGONGNENG。

DUIGONGYEWUZHUYAOBAOKUOJIGOUXUEXIDANGANGUANLI，WEIZHENGFUHEQISHIYEDANWEIKAIZHANXUEXIXINGZUZHIJIANSHETIGONGXINXIJISHUHEPINGTAIZHICHIJIGEXINGHUADINGZHIFUWU，WEIJIAOYUBUMENTIGONGXUQIUFENXIHEJUECEJIANYI，WEIHEZUOLIANMENGTUISONGJIAOYUWANGXINKUAISAN、TIGONGZIXUNFENXIBAOGAODENG。