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This is the active fund balance of all securities accounts associated with the Bank of China card combined. Asset securitization products are generally traded at a spread over a benchmark interest rate. Asset securitization can help investors expand their investment scale. Generally, the risk weight of securitized products is much lower than the risk weight of the underlying assets. If you want to withdraw money, it depends on the type of security purchased.

In modern securitization transactions, securities are generally not a single variety. Instead, securities with different grades can be designed through the division and combination of cash flows. Different grades of securities have different repayment sequences to smooth out cash flow fluctuations.

Others combine different types of securities to form synthetic securities, which can better meet the preferences of different investors for terms, risks and interest rates. Asset securitization technology can provide unlimited security varieties and flexible credit, maturity dates, repayment structures, etc., so that specific security varieties needed by investors can be "created".

Extended information:

Benefits of asset securitization to investors:

(1) Asset securitization provides a high-end New financing tools.

(2) The original equity holder can maintain and enhance its borrowing ability.

(3) Original equity holders can increase their capital adequacy ratio.

(4) Original equity holders can reduce financing costs.

(5) The original equity holder will not lose the right to make business decisions about the enterprise.

(6) The original rights holders can get higher returns.

Baidu Encyclopedia - Asset Securitization