securitized

简明释义

英[sɪˈkjʊə.rɪ.taɪzd]美[sɪˈkjʊr.ɪ.taɪzd]

adj. 证券化的

v. 证券化（securitize 的过去分词）

英英释义

单词用法

同义词

反义词

例句

1.William King, then JP Morgan's chief of securitized products, was vacationing in Rwanda.

威廉国王，然后JP摩根的首席证券化的产品，度假在卢旺达。

2.The collateral could be a number of things including mortgages — securitized mortgages that are risky and dangerous assets.

抵押品可是很多种东西，包括抵押贷款-证券化按揭贷款，这种有风险的，危险的资产。

3.Securitized bank loans, for example, are safer than bonds because they get paid back earlier in the event of a bankruptcy.

例如证券化的银行贷款比债券更安全，因为一旦发生破产它比债券更早得到偿还。

4.And they'd work to build up investment banking activities ranging from underwriting stock and bond offerings to selling packages of securitized mortgages, credit card receipts and car loans.

他们也从事投行业务，从包销股票、债券发行、一揽子的证券化资产、信用卡收据以及汽车质押贷款等。

5.The asset class at the heart of this phase of the financial crisis-sovereign debt-is far easier to value than the securitized subprime mortgages that caused the trouble last time.

当前金融危机核心的资产类别——主权债务——比导致上次危机的证券化次级贷款要容易估价得多。

6.Mortgages can be securitized, as can future royalties from a pop star's song portfolio.

抵押贷款可以证券化，而一个流行歌星歌曲专辑未来所能获得的版税也可证券化。

7.The securitized 证券化 products were rated by agencies to help investors assess risk.

这些证券化产品已由评级机构进行评级，以帮助投资者评估风险。

8.The process of securitizing 证券化 credit card debt can provide liquidity to financial institutions.

对信用卡债务进行证券化的过程可以为金融机构提供流动性。

9.Investors are increasingly interested in securitized 证券化 assets due to their potential for higher returns.

由于其潜在的更高回报，投资者对证券化资产的兴趣日益增加。

10.The bank has successfully securitized 证券化 its mortgage loans, allowing it to raise capital more efficiently.

这家银行成功地将其抵押贷款证券化，使其能够更有效地筹集资金。

11.In recent years, many companies have securitized 证券化 their receivables to improve cash flow.

近年来，许多公司已将其应收账款证券化以改善现金流。

作文

The concept of financial markets has evolved significantly over the past few decades, particularly with the introduction of various complex financial instruments. One such instrument that has gained prominence is the process of making assets into securities, commonly referred to as being securitized. This process involves pooling together various types of financial assets, such as mortgages or loans, and then converting them into tradable securities that can be sold to investors. The primary purpose of securitized assets is to provide liquidity and enable institutions to manage risk more effectively.Securitization has transformed the landscape of finance by allowing for the redistribution of risk. For instance, when a bank issues a mortgage, it carries the risk of default. By securitized these mortgages into a security, the bank can transfer that risk to investors who purchase the security. This not only frees up capital for the bank but also allows investors to gain exposure to different types of assets that they might not have been able to access directly.However, the practice of securitized assets is not without its challenges. The financial crisis of 2008 highlighted some of the risks associated with securitization, particularly in the housing market. Many mortgage-backed securities were based on subprime loans, which ultimately led to widespread defaults and significant losses for investors. This incident raised questions about the transparency and due diligence involved in the securitization process.Despite these challenges, securitized products continue to play a vital role in modern finance. They offer a way for financial institutions to manage their balance sheets and for investors to diversify their portfolios. Furthermore, advancements in technology and data analysis have improved the ability to assess the risk associated with securitized assets, making them a more attractive option for many investors.In conclusion, the process of securitized assets has revolutionized the way financial markets operate. While it provides numerous benefits, including increased liquidity and risk management, it also comes with inherent risks that need to be carefully managed. As the financial landscape continues to evolve, understanding the implications of securitized products will be crucial for both investors and institutions alike. The balance between innovation and risk management will determine the future of securitization in the financial sector.

金融市场的概念在过去几十年中发生了显著变化，尤其是随着各种复杂金融工具的引入。其中一种日益突出的工具是将资产转化为证券的过程，通常称为证券化。这一过程涉及将各种类型的金融资产（如抵押贷款或贷款）汇集在一起，然后将其转换为可交易的证券，以便出售给投资者。证券化资产的主要目的是提供流动性，使机构能够更有效地管理风险。证券化通过允许风险重新分配，改变了金融的格局。例如，当银行发放抵押贷款时，它承担着违约的风险。通过将这些抵押贷款证券化为证券，银行可以将该风险转移给购买该证券的投资者。这不仅释放了银行的资本，还使投资者能够获得他们可能无法直接接触的不同类型资产的敞口。然而，证券化资产的做法并非没有挑战。2008年的金融危机突显了证券化相关的一些风险，特别是在住房市场。许多抵押贷款支持证券是基于次级贷款，这最终导致了广泛的违约和投资者的重大损失。这一事件引发了对证券化过程中透明度和尽职调查的质疑。尽管面临这些挑战，证券化产品仍在现代金融中发挥着至关重要的作用。它们为金融机构管理资产负债表提供了一种方式，也为投资者提供了多样化投资组合的机会。此外，技术和数据分析的进步提高了评估证券化资产相关风险的能力，使其对许多投资者来说变得更加吸引。总之，证券化资产的过程彻底改变了金融市场的运作方式。虽然它提供了诸多好处，包括增加流动性和风险管理，但它也伴随着需要仔细管理的固有风险。随着金融格局的不断演变，理解证券化产品的影响对于投资者和机构来说将至关重要。创新与风险管理之间的平衡将决定证券化在金融部门的未来。