Structure financial instrument includes commercial mortgage - backed securities ( cmbs ) , asset - backed securities ( abs ) , real estate investment trusts ( reit ) , and residential mortgage - backed securities ( cmbs ) . according the research report of us , most of abs and mbs is floating interest rate , and credit rate is aaa and duration is short term . also , the structure of abs and mbs are different with different client requirement of cash flow 在美国金融市场上的结构化金融产品包括个人住房贷款抵押支持证券( rmbs ) 、商业贷款抵押支持证券( cmbs ) 、债务抵押债券( cdo )和资产支持证券( abs ) ,而abs主要包括信用卡应收账款支持证券( creditcardabs ) 、汽车贷款支持证券( autoabs ) 、学生贷款支持证券( studentloanabs )和家庭财产支持证券( homeequityloanabs )等。
Today ' s banking industry pays special attention to the expected income of the potential borrower . most banks discarded the commercial loan theory that once dominated the banking theory in the history . they make personal loans to consumers based on the theory of the expected income of loan 消费信贷是拉动经济快速增长的银行产品，今天的银行业特别注重潜在借款者的未来或者说预期的收入，大都抛弃了历史上在银行业理论中曾占垄断地位商业贷款理论，大多数银行根据贷款的预期收入理论对消费者贷款实行个人授信，这种新的消费方式使银行丰富了贷款种类，本文主要涉及个人住房贷款以及个人汽车贷款。
