Who is going to invest in the construction of the Web Site of Reach-me-down Bargaining? How does it be operated and managed? Therefore, we put forward that the commercial banks may invest in the establishment of the Web Site of Reach-me-down bargaining based on campus-network to service students' secondhand articles trading. Then to launch a new double-functions credit card that can release transaction information at the second-hand articles trading platform and has functions of bank credit card payment, a win-win system of market that commercial banks credit card product promotion and college students in second-hand articles trade will be built.