No. Supplementary knowledge: 1. Asset disposal is more flexible. Asset disposal is more flexible. Compared with the various requirements for write-off, asset securitization can package and sell assets that cannot be written off temporarily, thereby avoiding assets that cannot be written off all the time. Problems that have settled down and affected the bank's risk performance; 2. Faster asset disposal. In traditional write-offs, there are clear limits on the length of overdue assets, while asset securitization products can sell products with earlier overdue stages, thus Dispose of distressed assets faster. Reduce financing costs and financing risks and increase funds