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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# N! z# c' K  l+ L% B5 G) s
Why bank will sell 借據給第三者???
" f# i. f9 {0 I' ?# s+ }& K  cI was so confused.....
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講到尾都係賺錢
8 ?6 {2 R% f0 \3 Fso銀行可以不斷放款0 P4 S0 Z3 w3 m2 {+ [& m
美國的房貸問題散佈到全世界
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mortgage loan
2 s2 E, Q" l) e& J  Q>conduit$ m$ i. Y+ T+ |* m: Z5 Y
>RMBS(Residential Mortgage Backed Securities)( Y( l% A& z; |4 t6 H+ C' c0 Q7 k
>arranger
1 ?3 H* ?. Q, P' u8 k>CDO(Collateralized Debt Obligation)! F8 K6 l  ?0 v/ c& |
最後去到投資者
i thought it is the reason of rate of return.9 a8 v$ ^# n$ `# J% {/ M0 x
CDs could have different ratings, AAA -> F,
9 x& i: Q2 R! _: t0 jmore risky ones would have higher premium (interest rate) as a compensation for an investment.  F. y" N2 ?* T0 X
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,( i5 n# T1 v1 K! ~, K6 O; a
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
2 k  j6 \) L# ?9 x+ pAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency." N6 d. _; Z( @4 T! w0 O2 b7 q
similar to bonds, CDs trading in the secondary market have different value at different times,
( h! H- v3 u) tnormally the value is calculated by adding it's principle and interest.
1 [" _; h4 s8 ?4 reg. the value of the mortgage+the interests to be recieved in the future.
0 n+ N4 x* m9 D8 s* ]! ?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.
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% s+ `0 \) r5 z! @6 Y6 mim not quite sure if the multiplier effect does really matter in this case.& u! C, I2 J, z8 ]
in stock market, it's the demand and supply pushing the price up/downwards.* E( k- a! A- b1 a
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
/ q3 T' K! @) ZA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
9 D; C' ~$ s" J8 O0 E8 y) p, C. tThe 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.
( b8 P: |' A- y* b5 v8 @& ~but the value of their assets did really drop significantly.# k6 c4 [' a% g5 B
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[ 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  r0 @' n) b- @: [) S8 {, SRefer to last example,
, n9 {& v' b% P! P0 |4 k5 B. `that means bank A have no money because we borrow 10 dollars from bank A
) C& H6 G- e0 Z1 t2 e/ uBecause bank A doesnt have enough cash on hand
/ O1 y9 F; M0 ]+ S1 p1 v* btherefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E' `" R$ f7 d* r0 m; S+ Z$ g
so does it mean if E failed to pay D,
  H! T7 U6 M2 k9 `% ^! b! Jall the B,C,D,E have to go bankrupt?, P: o, Q5 i& _3 S' N

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6 u8 z. c$ N5 O( K- B7 ythe multiplier just tell how much money created in a whole economy,
# i. y; N% R' m. l, uin this case it doesnt really matter how much money is created, $ ?! [' ~7 G' X8 ~
it's the problem of the debt itself.
4 o  w; o" O: J. {! p  Gthe 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
6 S7 K0 c- ^& s小弟一直都唔明...
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. u% S) r$ P1 \全世界都蝕錢,咁邊個賺緊錢呢?
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無可能淨係有人蝕錢無人賺架嘛...
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敬請各師兄解答3 J2 H! G5 Q& `4 d* T8 l8 F7 g" v
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Thanks
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那些根本係 紙上財富  0 Q9 }$ [' N- q! N% g
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
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http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產: C5 J* J! [+ m5 k
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
" [) _/ ^* d# ]& x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
9 {% x) n0 a1 b8 X2 j6 P個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
2 T7 Y* s8 T0 H$ W) w扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,, w' S$ S1 ^% c0 _& _
計番回報率就已經係50%,所以可以好好賺
+ S, W- ]5 e$ X! M2 q前提係銀行之間要互相信任先可以咁樣借法
. M1 e2 s" y. m3 Y$ v' G同埋個市場既前境要係好先得
+ h9 V7 N- e, W$ w但當經濟一差,公司估值趺了,物價不升反趺7 u( j$ \6 N8 j) K/ U# q
例如剛才說10蚊的, 趺到得番9蚊,
3 O0 E( _' q: a, x咁投資銀行一下子就要還11蚊, 一來一回變左虧200%; a9 k/ Z' i* l! y8 Z
所以你就會覺得D錢好似蒸發哂咁
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! l% Q( Y( J# t1 w你都可以當標野咁諗, 個樣野多人可以狂升值, . {5 C% \% h6 f$ l2 U  I! U5 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, 4 o+ l! P" _8 R! n1 Q& |2 t
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ) B( h$ q0 v1 s  H9 W" T6 s
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& s6 j% r# Q. v8 V6 w
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) j5 d# u. v& ^& l* z+ x* a+ I
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
9 ~' u- k/ l' l% J; l淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 7 |% w" x- B9 a1 x4 ?
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
8 Y- h  e% j0 [" h9 a' `咁你話d錢蒸發左去邊? ...
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6 l) Z- e# f- J7 m正係咁樣# d. h. E4 i; J4 M
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
+ t! v4 c; K" t  G' [0 @% e- J分分鐘佢地唔使還錢5 g( \) x0 C' V; ]% Z
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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,
, S* z2 i4 x  n. L- @; c連國家都係問人借, 不停發債券, 印鈔票9 C; _5 P& j- g/ Q
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
7 l) Y& P1 F- e2 ?8 q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.gif( G5 s1 g7 Q7 s& P
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...7 N: n+ f2 [4 L
因為以前未生產, 先消費
& V( [/ h6 K! |' N而家就要多生產, 少消費
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