Securitization can influence how banks take on credit risk. Banks with more securitized assets tend to choose less risky investments. This is especially true for mortgages and home equity lines of credit. Other types of securitized assets don't seem to have the same effect. The way securitization deals are structured can change how much risk banks are willing to take. Overall, whether securitization reduces credit risk-taking in banks depends on how much support banks provide. Banks often see securitization more as a way to raise money than manage risk.