Bank-securities transfer refers to the establishment of a corresponding relationship between the individual settlement deposit account (or debit card) opened by investors in the bank and the capital account of the securities company, and the transfer of funds between the bank and the securities company through telephone banking, online banking, self-service equipment at outlets and telephone, online trading system and self-service equipment in the business department of the securities company, providing convenience for deposit and withdrawal. Bank-securities transfer business is the premise and foundation for the development of e-commerce of securities firms, which greatly promotes the development of e-commerce of securities firms. Bank-securities transfer is mainly used for some investors who frequently contact securities trading settlement funds.