The debt market in Poland consists either of a very strong banks’ sector or public, securitization debt. Moreover, there are also small emissions of entrepreneurs’ securities. This article tries to answer a question, how implementing a new innovation – asset securitization, influences the debt market. As a conclusion, the author states a hypothesis that regardless of implementing new financial instruments, banks strive to keep as much as possible of the financial market. According to asset securitization, this position is kept by acting new regulations, which visibly prefer the banks’ sector.