Traditional Culture Encyclopedia - Traditional festivals - Definition and difference between non-standard assets and standard assets
Definition and difference between non-standard assets and standard assets
Standardized assets refer to creditor's rights financial products or equity financial products listed and traded in the inter-bank market and the stock exchange market.
Non-standardized creditor's rights assets refer to creditor's rights assets that are not traded in the interbank market and the stock exchange market, including but not limited to credit assets, trust loans, entrusted creditor's rights, acceptance bills, letters of credit, accounts receivable, various beneficial rights, equity financing with repurchase clauses, etc.
Non-standard assets and standardized assets correspond. Non-standard assets are mainly non-standard creditor's rights assets, and the scope of such assets is wider. Generally, such assets will not be publicly issued, with high risk, low liquidity and lack the characteristics of standardized securities, but the nominal rate of return of such assets will be much higher. From the perspective of commercial banks, the regulatory arbitrage of investing in non-standard assets can bring them more benefits, so in the past few years, the non-standard business assets of banks have also expanded rapidly.
The full name of non-standard assets is non-standard creditor's rights assets, which is relative to the bonds circulating in the interbank market or exchange. Credit assets invested by banks through bank wealth management or interbank business are non-standard assets and cannot be circulated in the interbank market or exchange. The early forms of non-standard assets include trust beneficiary rights, trust loans and credit assets.
In recent years, the existing forms of non-standard assets have been constantly changing and expanding. The business forms of non-standard assets include: bank-trust cooperation, double buyout of bills, inter-bank payment, transfer of trust beneficiary rights, inter-bank payment of bank acceptance bills, and bank-securities cooperation. Such assets are generally not publicly issued, with high risk and low liquidity, and lack standardized securities characteristics, but the nominal rate of return will be much higher. Non-standard assets refer to bond assets that are not traded in the interbank market and the stock exchange market, while the non-standard assets held by bank wealth management products are only a part of the non-standard assets in the banking system.
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