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原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif- ^1 n# v: k: S# \9 m! Y0 L
Why bank will sell 借據給第三者???
5 T9 a# x8 f! t! e/ g2 ]3 L6 ~9 PI was so confused.....
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6 q; i  b) q# J. f3 n& y講到尾都係賺錢
& M, ~3 q5 N7 b( t6 o& C- n  K3 Uso銀行可以不斷放款% c$ n6 E$ S1 B* Y) p
美國的房貸問題散佈到全世界/ b% u6 B& Z% n/ H$ s
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mortgage loan ( E0 Q& ?3 W& P, _0 @, T
>conduit
5 h+ M; `9 D/ X1 o# z, I1 K>RMBS(Residential Mortgage Backed Securities)
7 K$ F. s4 f& H; ]>arranger
9 {" T/ u/ w! }  Z9 g>CDO(Collateralized Debt Obligation)
& W# o: I( ?! k# @最後去到投資者
i thought it is the reason of rate of return.  O) Y- m* Y! i) O" l: ]2 t
CDs could have different ratings, AAA -> F,* V* t! i2 b+ O, ]
more risky ones would have higher premium (interest rate) as a compensation for an investment., i- {9 V5 D5 V" b
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,/ F1 X/ w+ T4 ]1 S
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
1 G2 m: X) _+ ?; h$ @$ B/ IAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.) {# l) a7 u: e0 d+ i3 ~9 n
similar to bonds, CDs trading in the secondary market have different value at different times,
" J9 n+ ]$ F5 i7 U! fnormally the value is calculated by adding it's principle and interest.
" v/ H- p6 j* o5 H: d4 t' Aeg. the value of the mortgage+the interests to be recieved in the future.
' a6 _  J7 Z2 t6 m0 ybanks who sell the CDs, could enjoy a few benefits like, the present value of cash and passing the risk of holding a debt to another party.: K( J/ I  L+ y8 l3 q. L8 ]
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im not quite sure if the multiplier effect does really matter in this case.
- |1 z* X6 p( o" j, |' {7 Ein stock market, it's the demand and supply pushing the price up/downwards.
+ Z7 }+ r# V$ k3 `For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,& o$ ^% Z) v+ f" {+ u: O% H5 X: z
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.6 L0 ~3 R* a8 G
The capital loss that ppl suffer nowadays, i believe, most of them does not really suffer a real $ lost yet as long as they dont sell their securities.
" F- ]. g/ s, d/ Zbut the value of their assets did really drop significantly.
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( }( S0 T1 |# e[ 本帖最後由 Kev 於 2008-10-8 07:26 PM 編輯 ]
原帖由 balachiDavis 於 2008-10-8 04:09 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
8 I+ s+ H, o, u# ^Refer to last example,- T$ {. V" P- G# [9 m, I: i
that means bank A have no money because we borrow 10 dollars from bank A
! X0 @5 {3 Q! @+ X1 d2 `Because bank A doesnt have enough cash on hand 5 r9 Y; M# z; h/ _) x& _! X
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E8 H* V8 g. k- W
so does it mean if E failed to pay D, * g+ R/ ~8 d  }9 [4 r8 a9 t' N5 B
all the B,C,D,E have to go bankrupt?0 O8 c. c$ r6 i) W

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  e' K9 b' r9 @7 F* V+ }8 Lthe multiplier just tell how much money created in a whole economy, / X5 b) Q+ e8 u: d% a% [  d. ?
in this case it doesnt really matter how much money is created,
7 j& {/ D# N2 A) V, nit's the problem of the debt itself.
" h7 E- R( `. b# _* y4 Y) othe debt(securities) is bad, faulty, that harmed the whole system.
原帖由 kerr12ca 於 2008-10-8 02:44 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
$ N& S3 ^+ \+ a2 A( T/ g1 k小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?
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" N1 }4 W5 [# r- ^. Y' x6 C無可能淨係有人蝕錢無人賺架嘛...3 C; o) o. k: c! l- p% l2 `

, z4 p7 V! z3 H2 n2 [敬請各師兄解答4 [6 G- v- Z* N1 R" _1 a( j" z
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Thanks
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那些根本係 紙上財富  0 a/ H4 }& Q4 a0 o% @- ]' W  s# V
各式各樣的證券被炒到上天 你一樣唔賣那筆錢永遠都不是真的存在
with regards to the current crisis, Chain of fools does a reasonable job of explaining what happened with a nice graphic% ]2 `; n( H1 e. j- d+ A

4 C7 e' W  F0 t- I" F: Ohttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產1 @: ?% F. ?0 k6 a& Q3 M
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高, A9 J2 q7 y; d5 c' ]
於是投資銀行就去搵銀行抵押借錢投資, 打個比喻1蚊既野借10蚊& |. D) J7 g7 a& D3 r! z, I
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
; Z) \" K$ r' \/ K% F/ _扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
; A+ y- g) g2 t; e1 G計番回報率就已經係50%,所以可以好好賺
% D5 r: e1 [5 A1 O# }前提係銀行之間要互相信任先可以咁樣借法; f7 f" x% o/ `' @% @# j( o
同埋個市場既前境要係好先得
8 N1 ^7 r9 g% K: i, M' n6 F但當經濟一差,公司估值趺了,物價不升反趺% x1 _/ F5 Z9 l  R% P$ c  q
例如剛才說10蚊的, 趺到得番9蚊,
' S2 w% w( k1 l. m* e5 F5 `1 J8 y咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
5 R1 w3 U, l# O8 z; u: ?所以你就會覺得D錢好似蒸發哂咁
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. _4 O2 g" R& R你都可以當標野咁諗, 個樣野多人可以狂升值,
5 ]. c8 b  c! X& c2 I- G7 u: ~. B但當冇人要既時候一蚊都唔值...中間D錢其實真係冇人話賺左~
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
" e; N: q5 h* E5 N淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, & p0 z, w+ i: N; V" p
呢刻樓市爆, 原本冇錢買樓既, 又係問銀行借但又唔留錢供, 既然冇錢還比銀行( g" x- `$ V0 I" T% `: L. J8 K0 n
咁你話d錢蒸發左去邊?
原帖由 kuru 於 2008-10-12 05:08 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
, ^; B# p* s; c+ E9 `! j+ b, T$ h& Y唔係d錢蒸發, 而係比美國佬洗晒未來錢, 3 d6 e. o& O5 ?6 I; d
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
0 A- ]/ o- ~$ s# _% k- f" i$ g# {呢刻樓市爆, 原本冇錢買樓既, 又係問銀行借但又唔留錢供, 既然冇錢還比銀行. B4 l( ~3 L; w3 V" F3 O
咁你話d錢蒸發左去邊? ...
9 F2 h- C5 T* O, E

- N! V$ Z$ l$ h0 N4 a& K正係咁樣" i  H4 ^0 l$ u
其實, 以個人立場去睇, 美國好多市民都唔怕銀行/財務/投資公司結業5 y( i9 A9 ?4 f  ^1 i  O
分分鐘佢地唔使還錢
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再講, 美國人先洗未來錢應該係世界第一, 唔知點解無錢都可以買咁車買樓,
# t3 b& m7 H* ~) R連國家都係問人借, 不停發債券, 印鈔票* X+ ^4 @4 G% L* o
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產8 f# [/ ]! C: ]+ `" q1 r
編編唔生產又使用物品使用得最多, 美國就係咁既情況
咁而家"爆哂煲"算唔算先至係變番"正常"???
原帖由 Jk 於 2008-10-22 02:15 AM 發表 http://www.26fun.com/bbs/images/common/back.gif5 K' S8 L5 A4 v+ ?  M7 s  {. x
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
2 o. _+ Z3 R1 B' |; u因為以前未生產, 先消費9 G; Q! B& f/ W( Y
而家就要多生產, 少消費
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