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(chǔ)設(shè)施項(xiàng)目貸款、汽車貸款、租賃和貿(mào)易應(yīng)收收入、信用卡應(yīng)收款等。因此,選擇合格的基礎(chǔ)資產(chǎn)理所當(dāng)然地成為信貸資產(chǎn)證券化的邏輯起點(diǎn),其不僅關(guān)系到信貸資產(chǎn)證券化產(chǎn)品能否在一級(jí)市場(chǎng)上順利發(fā)行,也關(guān)系到這種產(chǎn)品在二級(jí)市場(chǎng)上的流動(dòng)性和投資者的投資風(fēng)險(xiǎn)。