(1) Lower risks: the guarantee from the professional advantage of bank bills can effectively prevent the counterfeit and alteration of bills; besides, the bills will be kept by accounts to avoid losses;

(2) Save costs: the bank will keep the bills. The endorsement and transfer, application for discount and acceptance can be done immediately by sending instructions online, which has saved the costs of labor force and time cost;

(3) Perfect management: control bills in Headquarters and branches comprehensively through the online bank;

(4) Tap on stocks: convert the balance of circulated bills into the credit limit of the bank, and complete the bill issuance and loan easily;

(5) Simplify financing: the credit limit arising from the balance of bills can quicken the asset business and may replace the bill swap business easily.