Public archives and lifelong learning accounts learning construction of credit bank is the first step ,public credit Bank is the functional features and interface of bank credit system .Discusses the credit bank and life -long learning concept of archives ,information elements ,the application process and the creation of meaning ,preconditions ,and the construction of credit bank research foundation .%建立市民学习帐户和终身学习档案是学分银行建设的第一步,市民学分银行是把银行的功能特点与学分制相衔接。论述了学分银行和终身学习档案的概念、信息要素、申请的流程和建立的意义,为学分银行的建设提供前提条件和研究基础。
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