银行既是信贷资产支持证券(ABS)的主要卖方,又是主要买方。理解银行在资产证券化业务中的考虑因素,有利于对症下药,解决发展中面临的问题。本文分析了银行发行ABS的动力、投资ABS的考量因素,并对如何看待银行互持ABS和银行理财投资ABS提出了自己的观点。信贷资产证券化要发展,必须解决买卖双方的积极性问题。银行既是信贷资产支持证券(以下简称ABS)的主要卖方,又是主要买方。理解银行在资产证券化业务中的考虑因素,有 Banks are both major sellers of credit asset-backed securities (ABS) as well as major buyers. Understanding the considerations of banks in the asset securitization business can help remedy the problem and solve the problems in development. This paper analyzes the factors that banks consider to be the driving force behind ABS issue and invests in ABS, and puts forward their own views on how to treat ABS and bank financial investment ABS. To develop credit asset securitization, the enthusiasm of buyers and sellers must be solved. Banks are both major sellers of credit asset-backed securities (ABS) and major buyers. Understand the bank’s asset securitization business considerations, there