Arvopaperistaminen
Arvopaperistaminen, also known as securitization, is a financial process where illiquid assets are pooled together and then repackaged into tradable securities. These securities are then sold to investors. The primary goal of securitization is to transform assets that are not easily bought or sold into marketable financial instruments. Common examples of assets that can be securitized include mortgages, auto loans, credit card receivables, and student loans.
The process typically begins with a financial institution, such as a bank, originating a large number of
Securitization offers several benefits. For originators, it provides a way to raise capital, transfer risk off