While experts speculating on which bank has approached Bear Stearns with an acquisition proposal do not agree--some think Chase is probably the unnamed bank, while others think it might be UBS or Deutsche Bank--most feel it likely that the buyer would be a large commercial bank. Michael Schroder of Schroder & Co. does not anticipate that there will be an acquisition of Bear Stearns soon, but he said Bear's investment-products business and its operations in clearing and mortgage would be appealing to Chase.