Chinese economy is in a transition . the traditional financing and operational mode of china ' s commercial banks can no longer adapt to the trends of international financial securitization and the requirement of developing china ' s own financial and securities market 由于我国处在经济转型期,市场经济还未发育健全,商业银行传统的融资方式和经营方法已经不能适应国际金融证券化的趋势和发展我国金融、证券市场的需要。