English teaching reform is critical for the cultivation of skilled talents and the development of national economy. The paper attempts to analyze the guidance principles of English teaching reform in the higher vocational colleges underlying "the Basic Requirements of English Curriculum Teaching in Higher Vocational Colleges", promulgated by Ministry of Education of China in 2000. Specifically, the principles should be characterized by modularization, individualization, collaboration, and hypertextualization.
This paper first reviews the development history of campus loans in China and the scale of Internet finance consumption, then conducts a survey of the status of college students’ financial literacy by using universities and colleges in Hunan as an empirical study. Basing on the survey results, we can find the general lack of financial literacy among college students. Finally, it expounds the cultivation path of college students’ financial literacy from three aspects in China, namely, establishing financial information security awareness, cultivating financial risk prevention awareness and improving financial discrimination ability, so as to control campus loan risks.
As the largest commercial bank in China, ICBC is a typical representative of the electronic business of SMEs. However, the electronic business for SMEs has credit risks and needs to continuously strengthen the credit risk management for SMEs. By analyzing the organization structure, system and process of credit risk management for SME in ICBC, this paper attempts to conclude that there are flaws on credit risk organization structure, credit risk management process and system is not sound enough, and there are omissions before, on and after the loan, in addition, risk management awareness is not strong. In view of the above problems, this paper puts forward some countermeasures and suggestions to improve the organization structure of credit risk management, perfect the credit risk management system of SME, strictly carry out risk control before, during and after loans, and strengthen the consciousness of risk management. Researching the credit risk management system for SMEs in ICBC has a great educational and practical significance, for other commercial banks establishing and improving their risk management system.
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