Bank ’ s choice on credit asset securitization under the pressure of liquidity . credit asset securitization has the function of improving bank ’ s liquidity by changing its loan ( especially the medium and long term loan ) which lacks liquidity into cash 第三,考虑到银行的筹资成本和市场的承接能力,银行的首选方案是发行普通股或次级债,其次是对风险权重较大的优良贷款进行证