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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
; F5 V3 @8 z' iWhy bank will sell 借據給第三者???
& }( I+ t- ]. a7 |I was so confused.....
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講到尾都係賺錢
5 S/ i9 p2 O- ^6 B7 D# y& Oso銀行可以不斷放款
/ o  Y/ E" G6 p6 b; {美國的房貸問題散佈到全世界
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+ Q! z- W' {- M" y0 m6 P; ]  {mortgage loan
" Y* ]; A# V8 ^& o; y+ G. J6 D  U>conduit( s1 g, j3 W/ o/ [+ i$ q
>RMBS(Residential Mortgage Backed Securities)
1 ^; t4 \/ Y7 I7 U>arranger
* G+ Q4 ^* R( x8 h' x- P6 s$ c- b>CDO(Collateralized Debt Obligation)
( l1 N7 j6 S: t. z( \最後去到投資者
i thought it is the reason of rate of return.
" Y! `( i5 k, g" h: aCDs could have different ratings, AAA -> F,
! h5 ?1 T7 e& a# i6 fmore risky ones would have higher premium (interest rate) as a compensation for an investment.
7 K3 p3 e$ `8 g- Tmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,) v: C4 \/ _6 O! ?5 ^/ b1 x8 I6 x
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.' |$ }2 v8 A- m/ a( ~1 G& g
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.. C- M- R  p3 t6 L
similar to bonds, CDs trading in the secondary market have different value at different times,6 V! @3 ]% p! B+ D' d# ?
normally the value is calculated by adding it's principle and interest.
2 t, y0 M+ `7 Z+ zeg. the value of the mortgage+the interests to be recieved in the future. 4 k" |/ \+ d% K7 e+ i# Z1 e
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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im not quite sure if the multiplier effect does really matter in this case.
- a  q4 l/ S! D" F8 f, N' C" u: v# zin stock market, it's the demand and supply pushing the price up/downwards.2 w. l6 Q5 |9 b
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,( ~4 b1 P2 x# X' T1 n/ k
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.4 V/ k, R: |& h* ?5 X2 \: E0 `
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. ) d- v. ^) e2 ~) c7 @$ G" N
but the value of their assets did really drop significantly.: H1 d7 _/ V0 g! P
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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" \. l! J" s, a. L
Refer to last example,6 E% {2 m3 [9 V: C
that means bank A have no money because we borrow 10 dollars from bank A
6 C1 h# \6 s% J4 k: ]: l* pBecause bank A doesnt have enough cash on hand
$ D+ j$ t4 _1 Ktherefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
) Y3 |7 w: T7 V5 d6 M" `+ ]( H+ q- qso does it mean if E failed to pay D,
/ a$ ?6 ?9 c! @# k1 h6 I% |1 ?2 Sall the B,C,D,E have to go bankrupt?* a8 Z+ U/ [! Z% _  w: a

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" `+ l, W+ o* f1 Vthe multiplier just tell how much money created in a whole economy,
1 \/ k: }3 v7 c7 K$ f" y/ t) din this case it doesnt really matter how much money is created, # D  r# l3 C2 N. E5 w% i
it's the problem of the debt itself., z3 g6 L+ b3 h- l" t2 u5 c2 p$ |/ {* l
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# b( g. A( E8 d
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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無可能淨係有人蝕錢無人賺架嘛...
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& O$ ~- H( f! O& N2 L" i' v0 c敬請各師兄解答
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Thanks
& G% p9 D" f. T% F# x那些根本係 紙上財富  % K1 I! L5 Y% q
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 graphic6 p' t  v) U  |

8 S* c3 v! L2 ^# 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
( `9 }3 g( V5 M2 F$ q: N* }當經濟好,投資銀行相信會賺錢, 物價既估值相對較高7 ]7 C2 x- m% 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
4 T3 |- P! d) B6 ~3 P個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
4 o7 u9 w. g, [- U2 E4 G扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,$ p7 Q- C- e7 q' Q* h
計番回報率就已經係50%,所以可以好好賺1 c: O6 M& y( @1 Y! j5 n1 g
前提係銀行之間要互相信任先可以咁樣借法' O. L8 r: `/ e7 f9 [3 q) V9 B+ C
同埋個市場既前境要係好先得
3 T4 M4 T- e* r, s5 x3 O) k) x! {但當經濟一差,公司估值趺了,物價不升反趺6 a$ t0 @# _' u3 a* }% A' t
例如剛才說10蚊的, 趺到得番9蚊,
  ]% R" ]" B  w9 b+ Z咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
, Q3 r# K& y$ A  Z9 z1 D7 V# K+ Q所以你就會覺得D錢好似蒸發哂咁; J  I& b) U2 h) Z8 U3 @# \
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你都可以當標野咁諗, 個樣野多人可以狂升值,
; X6 [! K  v  k3 D; L' O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,
  q+ q  R0 S6 j淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
+ T' l( v/ _( d5 S/ T+ f- ^% Z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  {) a3 L+ I' w5 z$ p
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
! E' ?$ X" ?5 W; C. z唔係d錢蒸發, 而係比美國佬洗晒未來錢,
# h, m7 o: R$ h& z淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 7 ^0 O: R0 t5 Z4 E
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
( O( a9 {3 |7 F3 t4 y2 U4 [咁你話d錢蒸發左去邊? ...
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正係咁樣
& f5 r. d5 G6 A. o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
% c4 _. n5 j5 `6 G, R分分鐘佢地唔使還錢2 z" Y' \0 @, t# M3 G

  R6 `( q; d# a7 M7 r7 |0 f8 _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,$ q' M/ J! Y4 G# K6 I$ L
連國家都係問人借, 不停發債券, 印鈔票$ ~7 H# b. b& f  i8 g5 M
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產8 S3 _3 n4 L# G# G! p$ }  y4 U+ ]
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 r8 I3 y( B3 u0 I5 A2 z
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
+ x  ]# w5 j% V4 @2 @+ ^因為以前未生產, 先消費$ `. E! d- V. D6 [% {
而家就要多生產, 少消費
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