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Mikan · 2021年02月04日

想问一下securitize和发行ABS是一个概念嘛?因为之前有一道题是bank负责securitization

NO.PZ2016031001000096

问题如下:

In a securitization, the special purpose entity (SPE) is responsible for the:

选项:

A.

issuance of the asset-backed securities.

B.

collection of payments from the borrowers.

C.

recovery of underlying assets from delinquent borrowers.

解释:

A is correct.

In a securitization, the special purpose entity (SPE) is the special legal entity responsible for the issuance of the asset-backed securities. The servicer, not the SPE, is responsible for both the collection of payments from the borrowers and the recovery of underlying assets if the borrowers default on their loans.

想问一下securitize和发行ABS是一个概念嘛?因为之前有一道题是bank负责securitization

2 个答案

吴昊_品职助教 · 2021年02月06日

同学你好:

负责发行的是spe。

吴昊_品职助教 · 2021年02月05日

同学你好:

securitization就是资产证券化的意思。ABS是asset backed securities。两个是一个意思。

以下是原版书原文:Securitization involves pooling debt obligations, such as loans or receivables, and creating securities backed by the pool of debt obligations called asset-backed securities (ABS).

简单理解就是将一堆有现金流的资产揉到一起放在一个资产池子里,这个池子形成一个总的现金流,以这个池子的资产为“底”对外发行证券。