The asset securitization business of commercial banks is helpful to: ① put the medium and long-term loans with poor liquidity off the balance sheet through the real sale and bankruptcy isolation functions of securitization, optimize the asset-liability structure, and obtain cash assets with high liquidity in time, thus effectively alleviating the liquidity pressure of commercial banks. (2) By securitizing loans instead of holding them to maturity, the capital position can be improved at the minimum cost, the liquidity can be enhanced, and the capital adequacy ratio can be improved, which is beneficial to the capital management of commercial banks. (3) Converting non-performing assets into negotiable financial products in batches and quickly through asset securitization, activating the liquidity of some assets, and transferring and dispersing the potential risks of bank assets are conducive to resolving non-performing assets and reducing the non-performing loan ratio. (4) Enhance profitability and improve the income structure of commercial banks. For example, loan banks can earn fees, management fees and other income while selling basic assets. ⑤ It can also provide guarantee and issuance services for asset securitization of other banks and earn income.
1. What's the solution to owe 60,000 credit cards?
1. Choose to contact the bank before the repayment date and ask whether the repaymen