1.

Different businesses: Non-standardized products include credit assets, trust loans, entrusted claims, acceptance bills, letters of credit, accounts receivable, various beneficial rights, equity financing with repurchase clauses, etc. , similar to the OTC conversion business of creditor's rights assets; Standardized products are traditional financial products of banks, such as loans, bonds, securities and trade financing.

2.

The management in state-level exchanges is different: standardized products are financial products that can be publicly traded on state-level exchanges; Non-standardized products are financial products that cannot be listed and publicly traded on national exchanges. Features: Non-standardized products: such assets are generally not publicly issued, with high risk and low liquidity, lacking the characteristics of standardized securities, but the nominal rate of return will be much higher.

Second, which warrior knows "What is a standardized financial product? What is a non-standardized financial product? " Say "no" ...

The main difference lies in whether there is a unified standard recognized by the state and whether there is formal departmental supervision to find sales.

Standardization: securities and bonds, etc.

Non-standardization: local mortgage, foreign exchange and gold

Third, in finance, I see that the advantages of loans are not standardized, while securities are standardized. What is standardization?

The loan is OTC(overthecounter), that is to say, how much you want to borrow, how long you want to borrow, what the interest rate is, and what the mortgage is, are all decided by the buyer and the seller through consultation. This is called non-standardization.

As for Security, most of them are standardtrading, that is, the market has set a price for you, and all you can do is buy and sell. For example, if you go to the market to buy fixed income or derivatives, the term, dividend and price have been set by the market. All you need to do is go to the securities business hall to check the price. You can't decide the attributes of the securities yourself. This is called standardization.

4. In finance, I see that the advantages of loans are non-standardized, while securities are standardized. What is standardization?

The loan is OTC(overthecounter), that is to say, how much you want to borrow, how long you want to borrow, what the interest rate is, and what the mortgage is, are all decided by the buyer and the seller through consultation. This is called non-standardization.

As for Security, most of them are standardtrading, that is, the market has set a price for you, and all you can do is buy and sell. For example, if you go to the market to buy fixed income or derivatives, the term, dividend and price have been set by the market. All you need to do is go to the securities business hall to check the price. You can't decide the attributes of the securities yourself. This is called standardization.