Securitization is turning non-liquid assets into securities, a process that gained attention during the U.S. subprime mortgage crisis. The article analyzes how financial markets have changed since the crisis and how it affected securitization. It also looks at the situation in the Polish financial market, which is new and vulnerable to such crises. The article discusses the role of securitization in Poland's financial market and predicts its growth. Additionally, it covers new regulations that could impact securitization transactions.