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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
; Y5 n, ?3 d, m# r+ xWhy bank will sell 借據給第三者???6 A. {+ o2 k! U) a, M9 ?  o
I was so confused.....
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. i6 A  J7 C9 U" J1 J% a2 S* x, w講到尾都係賺錢
) V) ]0 c% K3 V3 r4 zso銀行可以不斷放款
% }- s$ z7 `! D4 F# J4 ]0 u美國的房貸問題散佈到全世界
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# E  g4 F* ], |5 U% Dmortgage loan
' Z# p( V% F9 e5 D>conduit
9 p8 V; u, E8 m3 W  N$ T>RMBS(Residential Mortgage Backed Securities)
+ e0 s2 W- w- s" e* b( ?9 s# e8 S+ h>arranger7 N; i! T9 z$ @
>CDO(Collateralized Debt Obligation)+ }& k3 E. j, @( @0 Z4 q" Y" K
最後去到投資者
i thought it is the reason of rate of return.& F# o7 i7 Q3 n* ], _1 u. A% w
CDs could have different ratings, AAA -> F,
' {2 Y; j# w/ F/ E0 ^% smore risky ones would have higher premium (interest rate) as a compensation for an investment.
9 c$ x$ r* T; E! @4 u+ E' ?main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
6 s; U1 |8 k! }2 r* ein other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
. W2 C& Y) s& G& K6 [3 y% I2 j* |Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency." @! N6 U* T3 F- m: k
similar to bonds, CDs trading in the secondary market have different value at different times,2 Y9 n' F; i' A0 J( ]
normally the value is calculated by adding it's principle and interest.
' q6 B* Z1 [% W; R' t7 H2 I. Oeg. the value of the mortgage+the interests to be recieved in the future.
7 F& L* X# `4 F5 [0 v' C" P) Wbanks 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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  ^$ A/ B" u- j4 |2 Mim not quite sure if the multiplier effect does really matter in this case.% V* l' J8 q, W/ V- G1 v/ F. j3 J( q
in stock market, it's the demand and supply pushing the price up/downwards.1 g1 N1 r- `+ t( F
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
  w  E2 q4 _/ K. a% [1 wA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
, h+ k/ o2 E  |: `$ uThe 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. 0 B) m7 U+ r  G4 o" N* L2 ~6 U
but the value of their assets did really drop significantly.
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& [9 f6 T, F2 u: u& F[ 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
) [) V4 D' n/ }$ U# ARefer to last example,
0 S, Y, k* M& p, g( u" Gthat means bank A have no money because we borrow 10 dollars from bank A ; K5 s$ `  n& m" W: [' W
Because bank A doesnt have enough cash on hand
# c5 }3 A, V9 O. Ctherefore bank A need to be bankrrupt ??? Am I right ?? ...
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; v7 g2 A& h6 H- m' jA->B->C->D->E
9 S7 I# g6 s) _! N) Xso does it mean if E failed to pay D, : p$ [9 L5 T! L) T+ |
all the B,C,D,E have to go bankrupt?# D* Q1 `, ^, d/ i

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* G# [1 c2 M1 {/ D! j, xthe multiplier just tell how much money created in a whole economy,
7 n; v3 x2 M  B9 n3 nin this case it doesnt really matter how much money is created,
, x* s/ o5 j6 Pit's the problem of the debt itself.' \% e& ?# H: |+ H- N0 P
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. M" S$ M+ g/ r; g" B
小弟一直都唔明...' S- f3 F4 }, m& i) @  f

) T& k: X& U+ I4 ~* N9 d; e' S全世界都蝕錢,咁邊個賺緊錢呢?+ F" w3 v1 Q" N$ [/ v  G
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無可能淨係有人蝕錢無人賺架嘛...
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+ F8 T: l* m1 ^敬請各師兄解答" H$ s' m, H( C
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Thanks
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那些根本係 紙上財富  
* m: b9 ^! c( u1 |) L) Y; k* R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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) G5 d4 n% u( k2 f$ d3 X4 qhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
$ C0 Y( w- K9 D# I/ f% r$ F+ b當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
6 ^/ p4 y4 W7 s# ^' n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2 ^5 t* H- y7 q* J& L9 \5 U& z' A
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦8 h2 P0 g% s) t. C+ ^  e, {7 C0 ?
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
+ G2 W5 S9 Q$ i* [' C! G( {4 p計番回報率就已經係50%,所以可以好好賺/ h7 F' N5 i2 N) p
前提係銀行之間要互相信任先可以咁樣借法
+ v: v- v  x- K  V- o7 p: d- z同埋個市場既前境要係好先得
6 m% K( s6 ?( s1 j& ^4 @但當經濟一差,公司估值趺了,物價不升反趺
  o/ e- t' q6 x; |0 N, U/ m例如剛才說10蚊的, 趺到得番9蚊,
" c" H& D* c4 v# z: ?6 W( `) U  A咁投資銀行一下子就要還11蚊, 一來一回變左虧200%4 }3 ]- X( O7 o$ b0 ~( A! Q
所以你就會覺得D錢好似蒸發哂咁
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$ x$ V) w& K3 J9 V& R$ N* j- d你都可以當標野咁諗, 個樣野多人可以狂升值, ) B( r; b/ {- J: ?, M/ s
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,
# \* W/ t0 ?" F淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
; o/ U/ }( ?  j% }1 o0 v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' a. K5 U- w" m7 k. m8 H3 X
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! l; z$ ~1 h& z唔係d錢蒸發, 而係比美國佬洗晒未來錢,
6 h/ }2 T/ |+ S# `) X# f0 I淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
' M. L* d% {: G5 g% M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" S1 p1 d# J6 f# p% w
咁你話d錢蒸發左去邊? ...
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- G, p5 l2 M( u0 M% r4 [. ]正係咁樣
3 r) G* j( Y! i5 ?: r/ 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% e0 |( s' j5 D
分分鐘佢地唔使還錢
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: z# e% ]. e$ o1 n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,1 D+ Z" y0 D2 f4 H7 f
連國家都係問人借, 不停發債券, 印鈔票
( b8 \6 F; h0 w0 t9 L6 \" Q一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
5 U" R  D& _, V: @! X2 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.gif" _. f( m' C# }/ F4 Q/ N
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係..., E5 V5 H$ L! u* [6 _
因為以前未生產, 先消費* O- Q/ t) l3 W' f' ~) e3 B7 ^
而家就要多生產, 少消費
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