Study On The Operation Mode Of The Financing Business About Asset Pooling Of China Commercial Bank

With the increasing pace of the marketization of interest rate and financial disintermediation, the financing business about asset pooling developed quickly and became the mainstream operating models of domestic commercial banks. The financing business about asset pooling increased the intermediary business revenue and enhanced the competitiveness of the commercial banks. But there are still many problems we can see because it is only in the fledging period.The operating mode is not mature enough.The risk-control mechanism should improve and effective measures are waited to supervise the financing business about asset pooling. So we need to know more about the financing business about asset pooling, identify risk areas and shortcomings. Only in these way can we perfect the financing business about asset pooling.The paper studies the operation mode of the financing business about asset pooling through the combination of theory and practice. The paper analyses the operation mode of the financing business about asset pooling from several aspects:the concept, the characteristics, theories which are used, the building process of the asset pooling and the capital operating. In order to illustrate the situation of the financing business about asset pooling, the paper studies the course of the financing business about asset pooling development, The reasons behind the rapid development and the existing problems. Because the financing business about asset pooling is just the transitional form during the development of financing business, so there are still many problems. Based on the above reasons, the paper analyze the shortcomings of the financing business about asset pooling in view of its characteristics. The paper takes America as lessons, putting forward new proposals to improve the operating mechanisms itself and the regulatory environment. The recent guide policies and measures reveal the attitude of the government and guide the financing business about asset pooling to the mode of modern asset management step by step. As the operation mode of the financing business about asset pooling becoming mature and the financial accounting becoming more standardize, the financing business about asset pooling will towards the way of the mode of modern asset management and develop well.