1. Improve the utilization rate of credit cards: By cooperating with merchants, banks encourage cardholders to use credit cards to spend money in merchants, thus improving the utilization rate of credit cards.

2. Increase the income of credit card business: When the cardholder swipes the card at the merchant, the merchant needs to pay the handling fee to the bank according to a certain proportion. In this way, banks can increase the income of credit card business by attracting merchants.

3. Expand the market share of credit card business: By cooperating with more merchants, banks can expand the market share of credit card business and improve the competitiveness of credit cards in the market.

4. Strengthen the cooperative relationship between banks and merchants: The cooperative relationship between banks and merchants can provide a series of financial services for merchants, such as fund settlement and financing support. This will help to strengthen the cooperative relationship between banks and businessmen and achieve a win-win situation.

5. Improve the brand awareness of banks: Cooperation with well-known merchants can improve the brand awareness of banks in the market and attract more customers.

6. Increase bank customers: By cooperating with merchants, banks can attract merchants' customers to become their own customers, thus expanding the scale of banking business.