ANBOUND think tank scholars note that asset risks in commercial banks are gathering in bulks, threatening the increasing possibility of systematic risks and forcing back financial innovations including preventing and mitigating credit risks. It is just the first step for commercial banks to mitigate risks through designing a normalization development mechanism for credit asset securitization, and as to how to design a mechanism and products for it and how to boost the transformation of operation models for commercial banks, more efforts are still needed.