The article discusses the differences between loan selling and credit securitization for banks. Loan sales by banks grew rapidly in the late 1980s but declined in the early 1990s due to economic factors. Loan sales involve selling whole or parts of loans to other banks or buyers, exposing purchasers to credit risk. On the other hand, loan securitizations spread risk across a pool of assets, reducing risk for purchasers. The goal is to protect community banks through aggressive asset management strategies.