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    In order to reduce the stress on the students, Nanjing No. 1 High School has1a "mark bank". The bank lets students "borrow" marks2they can pass exams, and then repay them in later tests.

Here's3it works: The "mark bank" allows students to4marks if they fail the exam. But, just like real banks, it requires "clients (客户)" to pay back the loan (贷款) on time, with interest (利息). So students have to pay for the loan by getting extra marks in future exams. Some teachers also allow the students to repay the bank5doing lab experiments or giving public speeches. Students who don't pay back their loans are blacklisted (列入黑名单) by the bank, just like in real life. "I was sick before the mid-term exams and missed several geography classes," one student said, "I failed the exam, so I am glad the ‘mark bank' gave me a6to pass the exam."

    7many people think the "mark bank" is a great idea, not8supports the idea. Education expert Xiong Bingqi, for example, believes9the "mark bank" is not proper, but thinks that it takes stress off the students. Others think that such an idea just causes students to be10in their studies.