1. Reduce the risk of non-performing loans of banks: the replacement of non-performing loans by shareholders can help banks transfer non-performing loans to shareholders and reduce the risks and losses of non-performing loans of banks.

2. Improve the bank's capital adequacy ratio: the replacement of non-performing loans by shareholders can provide financial support and credit endorsement for banks, and improve the bank's capital adequacy ratio and credit rating.

3. Providing investment opportunities for shareholders: The replacement of non-performing loans by shareholders can provide shareholders with an investment opportunity and a source of income, and also improve their credit rating and reputation.