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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
8 x8 m1 V3 R' e5 ^) V+ D  ]Why bank will sell 借據給第三者???# @, {% ]6 m" ]
I was so confused.....
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講到尾都係賺錢' b1 }7 y1 y& }7 x; P4 K; ]
so銀行可以不斷放款
& D6 U4 S: t. |. O  u- _美國的房貸問題散佈到全世界
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mortgage loan
% [$ r6 v/ r% ?/ J! d>conduit/ N3 v0 J( y$ G# N$ M) y0 Y
>RMBS(Residential Mortgage Backed Securities)
6 w% J8 @; ]9 [3 a; I0 Q>arranger) a/ L) P, K  W
>CDO(Collateralized Debt Obligation)
7 ~: _( ~$ M' S+ ^最後去到投資者
i thought it is the reason of rate of return." l7 K- i) L7 i% H# f. w; V: J
CDs could have different ratings, AAA -> F,' g' Q; D& F: A$ s4 }- I7 {: n+ Z
more risky ones would have higher premium (interest rate) as a compensation for an investment.: t& z5 k9 b" P
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
% c1 q; ]( a  d8 P3 v& b( Xin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
' I+ C0 \1 [( w# }' h( A; d7 QAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.0 o. b; `) z/ G+ w. N* o- {
similar to bonds, CDs trading in the secondary market have different value at different times,
6 w& l: V3 \3 G6 S5 F# j* }) [normally the value is calculated by adding it's principle and interest. . F0 L" O  X( u, g- u" r( ^& }9 b
eg. the value of the mortgage+the interests to be recieved in the future.
2 z/ i. E1 b$ m0 u" ebanks 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! e9 d8 i5 {

' M  [6 \# C  jim not quite sure if the multiplier effect does really matter in this case.
) K; _' E( C: Q( ]. X4 ]in stock market, it's the demand and supply pushing the price up/downwards." z- g5 I7 j3 y& S4 Z4 M. L
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,% a* P  F, G% K' x, N6 m
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
$ l$ N% a" n7 U0 \; f% vThe 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.
% A% x+ s2 s2 h. s* Qbut the value of their assets did really drop significantly.
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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
% ]- M* [' `& @' Y0 L8 bRefer to last example,
. J3 @9 _0 o% A% F! ]+ fthat means bank A have no money because we borrow 10 dollars from bank A
# s. z% s& K4 m3 CBecause bank A doesnt have enough cash on hand
0 R/ o( O$ t5 I( \therefore bank A need to be bankrrupt ??? Am I right ?? ...
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( {8 H1 j( l- X4 w, ^A->B->C->D->E; r! j6 q; U4 |: z
so does it mean if E failed to pay D, - L8 j+ {  X" n( X) `  r; x
all the B,C,D,E have to go bankrupt?. n1 c0 ^- s" k3 D
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3 B5 u# M* K# e* e  d; o& d4 ethe multiplier just tell how much money created in a whole economy, 3 U9 ?8 n: P$ U5 a- U, q9 C
in this case it doesnt really matter how much money is created,
* j) a5 h" Z4 z  S, b' Y8 ]5 vit's the problem of the debt itself.
. p+ T1 o/ r$ |$ S9 Pthe 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* I! N$ ?) q- B- s$ Z
小弟一直都唔明...6 N& a2 ~) A' I* \* A7 n0 e
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全世界都蝕錢,咁邊個賺緊錢呢?9 u0 d+ r0 R- k

% f* \7 V  @: _. j8 d無可能淨係有人蝕錢無人賺架嘛...
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, h/ i  d. `, n8 N敬請各師兄解答5 |0 U7 z& |5 H8 C) d1 s+ O. N
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Thanks
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那些根本係 紙上財富  
! P0 N& U5 P+ A( ~$ d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 graphic1 B( f* J+ }% q6 t6 @+ s; x

9 D4 s% Y# }8 M/ D, rhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
! U; p% A; h. D% l+ t* Y' B4 d當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
0 M8 X, f* {1 a; V2 n* w3 k) f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8 _; R) t0 i- o& e  ~
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦* f$ L/ C7 I1 E1 W" }( ]0 z8 Y0 u! E
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
( D+ u/ a; m( M+ C計番回報率就已經係50%,所以可以好好賺2 v2 n& `  t: o! M$ Y7 n) p& i
前提係銀行之間要互相信任先可以咁樣借法
3 [# s; ]  F3 Y) \' A同埋個市場既前境要係好先得
7 f% V# B$ c" y$ a& y6 t4 k但當經濟一差,公司估值趺了,物價不升反趺
: B9 b9 l" u  _* Z) K& [& O例如剛才說10蚊的, 趺到得番9蚊,
. D6 Z. @8 ~# _2 x/ W3 ?咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
6 x6 Z$ f" c3 z! a  B" f所以你就會覺得D錢好似蒸發哂咁8 q# B  r1 @/ f( Y/ V
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你都可以當標野咁諗, 個樣野多人可以狂升值,
, D- o' j# Z' V  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,
4 _2 l( @: A( A+ ^* M% O淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
- E! T3 g8 l: p/ 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
4 ^1 x: q/ n% b) X5 D* J: ~7 Z6 T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.gif8 S6 S3 c5 Z3 x  h
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
& S. b* B8 M1 B1 K, v: @淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 9 L( ]% ~% E7 \  {! 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% z5 e) ~% q+ C# t* e
咁你話d錢蒸發左去邊? ...
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正係咁樣
) `1 C1 }  d* r1 t& }9 R) W8 y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
# d% h7 u% R8 l! x  H1 O, W分分鐘佢地唔使還錢1 ?1 P: T2 ~  A  T& H

; @3 v. |! K6 `  t  r5 L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,
+ ?0 K- W1 \) k連國家都係問人借, 不停發債券, 印鈔票5 ?5 S: O. q- B; J7 p
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產  H6 g5 q  C+ ^
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 ]" `9 [9 e1 a1 J) a0 N
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...3 G2 y0 B# w5 |1 F# f% k- C7 E
因為以前未生產, 先消費6 o/ E+ z. h' [9 \
而家就要多生產, 少消費
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