Credit bank is an educational management model that simulates or draws lessons from the functional characteristics of banks and allows students to freely choose learning content, learning time and learning place. It has the basic function of a bank, but it stores credit instead of money, and exchanges academic qualifications or qualification certificates instead of money. Its main content is to accumulate credits, break through the traditional professional restrictions and study years restrictions, and combine skill training with academic education, which is helpful to promote learners' autonomous learning and lifelong learning. The credit bank system provides a new channel for learners to obtain various learning achievements, a new way to become talents and a new form of learning evaluation and encouragement. It is an effective mechanism to expand the coverage of high-quality educational resources by means of informationization, and it is also an effective way to build a "overpass" for lifelong learning and promote educational equity.