But the content of credit asset is very broad , specifically including housing mortgage loan , infrastructure project loan , auto loan , lease and trade receivable income , credit card receivable , etc . so choosing the qualified basic asset become the logic beginning of credit asset securitization naturally , that not only involves whether products of credit asset securitization can be issued on the primary market smoothly , but also relates to liquidity of the product in the secondary market and investor ’ s investment risk 但信貸資產(chǎn)包含的內(nèi)容很廣,具體包括住房抵押貸款、基礎設施項目貸款、汽車貸款、租賃和貿(mào)易應收收入、信用卡應收款等。因此,選擇合格的基礎資產(chǎn)理所當然地成為信貸資產(chǎn)證券化的邏輯起點,其不僅關系到信貸資產(chǎn)證券化產(chǎn)品能否在一級市場上順利發(fā)行,也關系到這種產(chǎn)品在二級市場上的流動性和投資者的投資風險。