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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
, J6 b1 q# }) F8 S; D* Q6 i5 |Why bank will sell 借據給第三者???
# B4 r6 ^- g3 @0 ~9 T  W3 e. S8 k& KI was so confused.....
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講到尾都係賺錢1 T( @. V9 U& @2 u7 v( i- s/ S
so銀行可以不斷放款
. H" f+ w( Y) C% V美國的房貸問題散佈到全世界
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mortgage loan
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>RMBS(Residential Mortgage Backed Securities)
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; d% ~" H1 d' U7 `>CDO(Collateralized Debt Obligation)8 v! L: f; x/ y3 R( U  P
最後去到投資者
i thought it is the reason of rate of return./ e: t; j* d8 g; [
CDs could have different ratings, AAA -> F,
/ b- G  Z& D& Z5 {# Kmore risky ones would have higher premium (interest rate) as a compensation for an investment.
& o% `6 O2 x) }( bmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,5 U; }* {' r  Y- }% Y: P! z+ T
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.# i- n7 ~0 O" d$ C  q# R
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.! K) }. J# i0 V
similar to bonds, CDs trading in the secondary market have different value at different times,
, b  b, H  D- p" Xnormally the value is calculated by adding it's principle and interest.
$ ?3 U! D0 A) {6 _3 veg. the value of the mortgage+the interests to be recieved in the future. , F! o8 ^1 z2 Q5 }  @
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.8 W/ X- a; d  O9 ^7 _& }

" w3 j' z3 T: ]" q, D  q( k7 p" V: him not quite sure if the multiplier effect does really matter in this case.9 c% S2 M0 {* t' u; b4 Z* A
in stock market, it's the demand and supply pushing the price up/downwards.
8 E5 L& X4 C5 Z$ @) s8 {$ b' H% HFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
( N* b* T0 W7 }" K' B3 hA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
8 M) Q+ j# n6 p0 T5 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. - }* x% o0 H; {2 v
but the value of their assets did really drop significantly., A$ I5 A( L+ J: D* j

, a* ^9 p0 l8 d% g[ 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 U3 {4 d% K# J; sRefer to last example,& N9 x! ^+ Q& x7 K; }' i" |. J
that means bank A have no money because we borrow 10 dollars from bank A ) L- A8 j3 V  `; H  P
Because bank A doesnt have enough cash on hand
3 e, }8 p8 D8 F" u4 }" w* v+ otherefore bank A need to be bankrrupt ??? Am I right ?? ...
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8 B. B$ ~7 w2 B/ tA->B->C->D->E
2 Q) R, W$ V; L- `2 @% F1 E! sso does it mean if E failed to pay D, 6 i6 G. _% L$ ?( w
all the B,C,D,E have to go bankrupt?3 _8 C+ r1 M. o, I9 i/ D
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the multiplier just tell how much money created in a whole economy,
  e0 P/ p3 z8 m. o3 f9 E4 O2 nin this case it doesnt really matter how much money is created,
2 K: V8 O8 Q; i: E5 x! cit's the problem of the debt itself.
0 q& y0 _5 p! F) K: I3 d1 M; athe 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.gif7 ~! D5 g; N0 v, D" t( |
小弟一直都唔明...: _0 R) f( w# c# T

% D. k) q% {0 p3 _4 E' H/ a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...0 n+ g8 n5 I( `( g; u$ Z
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敬請各師兄解答
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Thanks
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那些根本係 紙上財富  
2 z- V# [/ C8 ^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5 t! U& d: e; ?  j  J
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
* |" ^; W) ]/ g1 b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
" {  K. _+ Z3 z7 W個件物價係市場好既時候升, 例如15%先算,變左12蚊啦5 S- `* p2 I) l5 |  H
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,6 e2 Z* o4 ^, r
計番回報率就已經係50%,所以可以好好賺* z8 l2 U8 s- W) [; v7 }
前提係銀行之間要互相信任先可以咁樣借法
- y7 j& m5 @' U5 q3 C" c( \. ]6 ^8 Y) F同埋個市場既前境要係好先得
" Z, Q* R6 {. L/ Q) D+ J但當經濟一差,公司估值趺了,物價不升反趺
. _5 d) ?) B2 n9 n6 l( b例如剛才說10蚊的, 趺到得番9蚊,
$ D, i/ O, W  A1 p. ^9 k! v; c咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
: ]3 ], N6 U% y6 ^所以你就會覺得D錢好似蒸發哂咁) w$ ?; `, p# j4 G/ T
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你都可以當標野咁諗, 個樣野多人可以狂升值,
  K! n9 M0 l' P: R5 T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, 6 w4 p5 W( l, x2 }2 W
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ) v6 f( P0 _$ O: b7 \0 f3 I
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) q( s! G! v3 S- E4 z
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.gif1 R9 F7 z  f8 V
唔係d錢蒸發, 而係比美國佬洗晒未來錢, . O4 l* z+ t" P& k! ?0 W2 V
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ' M4 n# n* B% P( }- [0 G2 o9 k
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
9 b) h, v& d! H, k1 ]+ o咁你話d錢蒸發左去邊? ...
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正係咁樣
' H: d" G8 j# o5 G. _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
; o$ ?  G9 p1 k6 R分分鐘佢地唔使還錢
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0 x, S* _! Y! B; c) e1 V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,, H# n$ _4 n( G
連國家都係問人借, 不停發債券, 印鈔票
. V: k2 A+ V5 s: {. Z一個國家好少出口, 而又大量入口 ,反映到佢唔多生產1 Y7 |. p1 z( H0 I0 r5 m* A5 ~" \
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" z, x$ c8 o. y9 z/ m/ ]) j
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...7 J& G/ v0 u: g, T
因為以前未生產, 先消費
% A- m5 ~2 R3 c. P6 d而家就要多生產, 少消費
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