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What is the significance of securitization of non-performing assets? How do you make so much money?
Non-performing asset securitization (NPAS) includes non-performing loans (NPL), quasi-performance loans (SPL), restructuring loans, non-performing bonds and asset securitization.

Securitization of non-performing assets is conducive to improving the liquidity of commercial banks' assets. Through securitization, non-performing assets with poor liquidity can be converted into securities traded in the market, and commercial banks can obtain capital sources without increasing liabilities. From the perspective of asset-liability management of commercial banks, securitization of non-performing assets can accelerate the turnover of bank assets and improve the liquidity of assets.

Securitization of non-performing assets is conducive to improving the capital adequacy ratio of commercial banks, transforming non-performing assets with high risk weight into securities with relatively low risk weight, and reducing the proportion of risky assets to some extent.

An important role of expanding data asset securitization is to avoid risks, increase asset liquidity and release capital for projects with higher marginal returns.

The cost of commercial banks to raise credit funds by absorbing deposits is lower than that of securitization (because the risk of asset-backed securities is higher than that of national debt and bank deposits, according to the general pricing principle, its interest rate is bound to be higher than that of national debt and bank deposits). Therefore, commercial banks lack economic benefits for excellent asset securitization in the case of abundant funds and no suitable loan projects.

Securitization of non-performing assets is of great significance to speed up the batch disposal of non-performing assets, improve the efficiency and benefit of non-performing assets disposal, and solve the problems of insufficient asset liquidity and low capital adequacy ratio of commercial banks.

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