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The securitisation process proposes to investors to buy securities in order to obtain the proceeds from the investments made by the securitisation vehicle into specific underlying assets.
Securitisation vehicles gather assets producing a predictable cash flow or granting the right to a future cash flow, and transform these assets into securities (shares, bonds or other securities).
We qualify these securities as Asset Backed Securities (ABS) because the underlying assets serve as collateral for the investment. Then the investor carries two risks: the uncertainty of a future cash flow and the risk of valuation of the underlying asset.
All types of investors, institutional or individual, can use securitisation.
Also, a vast array of assets can be securitised: securities (like shares, notes or bonds), movable and immovable property (tangible or not), but also risks linked to debt, like loans, mortgages, commercial. More generally, it concerns any cash flow linked to a business or an activity having a certain value or future income.