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Structured finance is a tool for transferring credit risk. It consists of pooling assets, which are then sold to investors. In return for purchasing this “second-hand“ debt, these investors will receive income based on the revenue streams generated by the transferred assets (e.g., the gradual repayment of loans). To take account of the level of risk of the underlying assets (such as non-repayment), they are split into several tranches, with the riskiest tranche providing a higher return than the others.

For banks, structured finance enables them to remove risky assets from the balance sheet and improve their solvency ratio. It can also be used to transform illiquid assets into liquid securities, thereby enabling refinancing.