本文借鉴了储蓄银行的运行机制,探讨了学分银行制的存分机制和兑分机制,为学分银行制的协调运行提供了可借鉴的模式。还从学分银行以学分概念、功能、特征意义来帮助学习者在不同教育机构、不同教育领域下相互认可,使得学习者可以灵活的接受学历教育及非学历教育,可以在证书、课程、文凭、学位之间进行学分互认,也是构建终身教育体系的一个重要手段。 This paper draws lessons from the operating mechanism of the savings bank, explores the deposit and credit mechanism and the credit transfer mechanism of the credit banking system, which provides a reference model for the coordinated operation of the credit banking system. It also helps learners recognize each other under different educational institutions and different fields of education by means of credit concept, function and characteristic meaning of credits from credit units, which enables learners to have flexible academic and non-academic education. They can apply for certificates, courses, diplomas, The mutual recognition of credits between degrees is also an important means of building lifelong education system.