<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?
返回列表 回復 發帖
原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
: m! Q" P! p5 DWhy bank will sell 借據給第三者???) x$ n$ @6 G8 i" j
I was so confused.....
& j) s' p  C( b6 ]
' ~5 j& z; n) _2 D: _- X% k( o" c& w
講到尾都係賺錢) o0 [- A$ h! _! M7 q! L% t
so銀行可以不斷放款
  H" v+ u. \% y( o' I3 p5 e6 s; p0 p美國的房貸問題散佈到全世界
2 @  g/ L7 E6 X5 W& k& q+ c0 }/ \* G- G5 T
mortgage loan
$ x( _+ t- K+ S8 e7 U( e>conduit
7 q  A( a2 y- I, T! s3 c' k>RMBS(Residential Mortgage Backed Securities)3 s& J! S: E  F. E
>arranger+ W) E/ g. a# x  N# s0 s6 \0 m: ]$ G
>CDO(Collateralized Debt Obligation)3 H( ]- C8 K' o$ |, g
最後去到投資者
i thought it is the reason of rate of return.
& T) g: p7 q% q( u; i3 _! A) ECDs could have different ratings, AAA -> F,
0 r. r7 x3 e7 }+ M4 c! W" Wmore risky ones would have higher premium (interest rate) as a compensation for an investment.4 D0 G2 k- K2 ]$ a
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
8 x5 r( D6 `# sin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.2 }1 u4 u3 E3 D  R  `8 x& k! |
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.6 [6 g0 u- h' G3 J# P- I
similar to bonds, CDs trading in the secondary market have different value at different times,
0 E. c) S6 |& nnormally the value is calculated by adding it's principle and interest. 2 U# V  S, s3 j- c) K( v
eg. the value of the mortgage+the interests to be recieved in the future. % R9 i; {! H: N4 K7 D7 z
banks 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.
; g, d- R- F: F" q, M* f0 {& ?$ n# s, T! `
im not quite sure if the multiplier effect does really matter in this case.: ^' ?  y  x0 n) n" r$ _% F
in stock market, it's the demand and supply pushing the price up/downwards.
% m& y& C. ]/ J  R7 uFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
: l# q. B6 T0 tA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.& I# o7 F0 Z, U6 g5 B
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. * k% p/ s" ?. I* i
but the value of their assets did really drop significantly.2 Z" k/ u5 z2 X% m. U; x
1 T. q8 Y& ?) m5 ?* i5 Z5 ]# \' W
[ 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
: W% G4 R) ]6 g4 l- ^( rRefer to last example,8 x3 }1 L. ]5 I
that means bank A have no money because we borrow 10 dollars from bank A ) [3 i: Q% a  c5 V
Because bank A doesnt have enough cash on hand
  r; t" E, t- Gtherefore bank A need to be bankrrupt ??? Am I right ?? ...
4 K# F" D$ F4 F5 f% W2 C9 [
% O  G/ _2 I6 v+ w+ E2 x- S5 t8 i( }6 Z6 L" g
A->B->C->D->E
1 d8 _, Y1 k, z# f" Aso does it mean if E failed to pay D,
: K  b4 c+ Z% T9 y" J8 vall the B,C,D,E have to go bankrupt?
- l  s, [  D% J* @1 d' d
, V) q( d4 B! K% X8 M5 Y5 F
7 l* V  i, v* n; y$ X2 mthe multiplier just tell how much money created in a whole economy,
! U! Z1 z+ v, K8 Lin this case it doesnt really matter how much money is created, & w2 n9 ?* {/ G( [% v6 N  T
it's the problem of the debt itself.) q% ?  h- ?0 C+ k2 f+ W
the 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
! H& d# [+ V0 H7 M+ h: ?9 Z$ C' B$ [小弟一直都唔明...1 {& h; Z5 Q& U+ b) \
0 P7 C0 A. @4 _
全世界都蝕錢,咁邊個賺緊錢呢?
4 E) j0 k& a* u  Q( `1 K. B7 q* \1 l6 e$ R
無可能淨係有人蝕錢無人賺架嘛...( K( U  p- I8 Y! v" o: G$ e) w

: `# R* f$ l( R% J敬請各師兄解答
5 |/ H- O, y2 U+ x) K7 i1 F) i+ Q; E+ N: J, v) v
Thanks
7 _7 D4 X$ S1 }8 i) }
那些根本係 紙上財富  ) r; c5 i7 f9 h% K8 f# p3 _
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  h' g* z& X) V+ U1 _' y" T
! s% Z6 P2 S; v! A: U4 s
http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
5 X- a) Y9 B0 x' s# {當經濟好,投資銀行相信會賺錢, 物價既估值相對較高1 G' P& J" I2 W0 J
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$ ^6 Y/ b& D$ V5 H. M" [6 `
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
# C. R  y( W) j扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,) Q( P5 M2 f- e, `# G! E- ~
計番回報率就已經係50%,所以可以好好賺
7 d- e1 m* I- a: i( R2 x3 T3 `前提係銀行之間要互相信任先可以咁樣借法6 [: F) C( g6 q2 O* g
同埋個市場既前境要係好先得
2 H% X3 q8 H* R& {5 [但當經濟一差,公司估值趺了,物價不升反趺$ u& @5 s! M% k9 R) i
例如剛才說10蚊的, 趺到得番9蚊,
- q) |! \; c0 \( V咁投資銀行一下子就要還11蚊, 一來一回變左虧200%# `% b9 W' L# L1 W
所以你就會覺得D錢好似蒸發哂咁4 n. Z1 C) n4 v- g: s' M$ C: k' O+ N

1 [  l% U8 _' O6 T. x你都可以當標野咁諗, 個樣野多人可以狂升值,
$ C# V' J, b: m( G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,
, ^3 l# ]) N7 @; l8 M' ^2 O淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
& B  @6 ]3 J- h& s9 @- e% x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1 P5 ]2 i" o; G' R: j
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
* |. v# R! d. i唔係d錢蒸發, 而係比美國佬洗晒未來錢, - ?- f$ r0 }- V! l) I; Z( B7 D/ N! g/ K
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, * M2 A/ o, \( X7 r' Z( o% ]
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
) @' `. C% ~9 [" ]2 m$ i" `: ^咁你話d錢蒸發左去邊? ...
0 b- C2 w$ W2 h$ U
- Z1 n& D9 R1 t! K+ `
正係咁樣
$ V* a3 L2 }/ K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 c! c% w- ]9 |1 A+ `! L! l4 |, v
分分鐘佢地唔使還錢* E# \* e0 D1 x9 u5 l, H

5 Q  e7 a. e6 \+ b1 T9 f; R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,
* t2 i6 f& P. W# Q連國家都係問人借, 不停發債券, 印鈔票/ P/ q6 d4 G  t9 l0 b7 z
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產9 A" A( t6 _* a5 E
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.gif1 ^' F8 W- F( Q; F. T. b3 \8 Q
咁而家"爆哂煲"算唔算先至係變番"正常"???
- p3 w( o- Y) ^0 Q) P+ f9 o- _/ o) b: [+ A9 s$ j
其實係...
' B! n) W9 V8 I$ O9 Z因為以前未生產, 先消費
5 O! R' x4 g' A4 o2 i而家就要多生產, 少消費
返回列表 回復 發帖
<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?

重要聲明:26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作,26fun.com對所有留言的真實性、完整性及立場等,不負任何法律責任。而一切留言之言論只代表留言者個人意見,並非本網站之立場,用戶不應信賴內容,並應自行判斷內容之真實性。於有關情形下,用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限,故不能完全監察所有留言,若讀者發現有留言出現問題,請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言,同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論,敬請自律。本網站保留一切法律權利。