Banks need to meet the following conditions when transferring loans to off-balance-sheet channels through wealth management products:

1. The prerequisite is that assets can be released from the table. Needless to say.

2. Being able to evade supervision is a basic requirement. It is illegal to make a direct statement, and the channel is prison.

Banks are also guilty of playing the edge ball, so channels must be able to evade supervision. Generally speaking, it is three means: cross-regional, cross-industry and drawer agreement. Cross-regional is to find a job in other provinces, which is not convenient for you to check; be trans-sectoral

It is the bank (managed by the China Banking Regulatory Commission) that is looking for asset management (managed by the China Securities Regulatory Commission), which makes your information communication poor; Similarly, channel business often has some things that can't be discussed on the table, so there are often drawer agreements.

3. It can realize that both ends are not in the table. Here, the two ends are off-balance-sheet, which means that in a channel business, neither the transferor nor the ultimate holder of the assets will put the assets in the table, and no one likes to buy an asset to press their own table, so the channel that cannot be off-balance-sheet is not a good channel.