<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?
返回列表 回復 發帖
原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif9 R0 s0 |2 v8 r6 F1 J
Why bank will sell 借據給第三者???
8 w; P2 I5 O/ S2 II was so confused.....
2 b" l+ `4 [. i7 K. r$ B& U; r  T6 X- i1 c: _
講到尾都係賺錢
1 t& n$ ?2 J0 Bso銀行可以不斷放款
! k0 W/ t& h4 E( O  V% b, g美國的房貸問題散佈到全世界' T: X5 R4 ~" I
# X: U* p3 ]5 e2 I& b9 Y1 T
mortgage loan " V3 k+ y5 }  A1 W$ h+ M& _
>conduit2 y, p+ D  y0 X% c5 v9 ?' r
>RMBS(Residential Mortgage Backed Securities)
" W' c0 L: [4 D>arranger5 D" y' [/ j8 m3 B2 @9 j, J! c
>CDO(Collateralized Debt Obligation)- X- B' _* b9 h6 ~+ C
最後去到投資者
i thought it is the reason of rate of return.. O' m. I3 I# @# Y0 r
CDs could have different ratings, AAA -> F,
; |0 M: k1 W& S2 k/ a4 Emore risky ones would have higher premium (interest rate) as a compensation for an investment.
4 U" S" Z- r9 C8 E' P* Smain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,& m! o+ A; `4 X: S3 v
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
/ U& |" i7 l$ {0 F) p: q* cAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.8 q& o6 k. ?, k8 [
similar to bonds, CDs trading in the secondary market have different value at different times,
9 u. G% b& ^2 v, X" o& x0 h1 }! [normally the value is calculated by adding it's principle and interest.
$ W1 ]# [( i/ N$ J* Beg. the value of the mortgage+the interests to be recieved in the future. / X2 p( B) l- k% K7 b( I5 \" B
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.
% y+ }1 A4 z4 W; m  H, u. h
, d( I; N& l* _im not quite sure if the multiplier effect does really matter in this case.
6 X3 a4 A+ p8 H7 P  |$ b. @% Fin stock market, it's the demand and supply pushing the price up/downwards.  L0 [" Z' l4 Y. m' q( O/ `
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
5 L/ M$ v3 G0 G9 YA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.6 m1 _+ f1 r. k
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. 8 o. t+ X5 G& C5 e- T- M
but the value of their assets did really drop significantly.
$ p8 e; h; U7 |. j: d- g" u, l8 }2 j8 {( t3 O
[ 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
- q% u' T& G0 h$ g) gRefer to last example,
% I, o& U/ l  Y7 Qthat means bank A have no money because we borrow 10 dollars from bank A 9 R' U3 E1 f* S4 Q
Because bank A doesnt have enough cash on hand " m% |; \, L- a0 j  P8 a# ?! H
therefore bank A need to be bankrrupt ??? Am I right ?? ...
" {5 c( c' C* j9 [
4 d% G3 ^0 Z6 h$ _% r: q9 U

" Q( F9 V& T: ]* JA->B->C->D->E8 F$ I9 q3 J# M+ n5 L
so does it mean if E failed to pay D, 5 G5 k* _' u' [6 D/ ]
all the B,C,D,E have to go bankrupt?0 Z# R0 X; E2 _" ]: H" K; D% p
9 m' P0 A; b# o0 Q' _
8 {9 ]( E0 Q# R; V* ~% F+ Z. T5 U
the multiplier just tell how much money created in a whole economy, , v5 ^, Q* D8 D9 ]3 [' W: x% ~
in this case it doesnt really matter how much money is created,
8 F  n: Y1 O2 Y' r6 ^7 t' nit's the problem of the debt itself.' f  {' u6 E4 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
( s) u1 R$ \- K0 I& m" f6 S小弟一直都唔明...
) c4 b" E( F) C. L$ u# t
# [* T* I1 E. \( U1 E全世界都蝕錢,咁邊個賺緊錢呢?
# z2 ?! \% ~  O2 m2 ?2 k- T) x4 L/ M; w6 T0 a
無可能淨係有人蝕錢無人賺架嘛...7 V$ {4 F8 K" z+ w! E$ l  K

) j' g" O( q2 e1 M" X4 T* N敬請各師兄解答
% h4 ?! a, S; F8 O4 t; Z+ u! m% T+ h
Thanks
/ p7 o/ j7 G  `1 N$ K- z) M* R: w0 r那些根本係 紙上財富  
& f/ J$ W# w3 |" m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  K2 t8 x+ n2 H7 C
# {9 j; Q& K8 n8 _1 P7 o' K
http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
1 @! ~/ f  d& h) L$ c/ [! H當經濟好,投資銀行相信會賺錢, 物價既估值相對較高: u$ i, k$ c  g; e( g
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
/ p' m4 L( h% {: f8 B0 V+ ^! Y個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
8 o% G0 P( g1 Q  c$ M扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
6 ]" K# y% P& `6 T/ q1 b計番回報率就已經係50%,所以可以好好賺+ [) ~; }% p% c+ H. {
前提係銀行之間要互相信任先可以咁樣借法5 \3 Z- a, P' M% j7 m
同埋個市場既前境要係好先得: N2 z. K6 C' ?- _2 q$ w. s
但當經濟一差,公司估值趺了,物價不升反趺, m, T9 W7 X0 Y: Q
例如剛才說10蚊的, 趺到得番9蚊, 2 {2 `0 J! |- d. S
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
- s% g& K0 X, b所以你就會覺得D錢好似蒸發哂咁
8 d1 {$ x) ?$ S. H9 }' a: O/ R0 J4 r
你都可以當標野咁諗, 個樣野多人可以狂升值,
) u. i, e- i; c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,
8 e! G4 M* r' |3 u/ H6 @淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
, D9 a1 ~- W0 ]& O% T0 X7 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. ^% P5 M, Q* w! h5 d+ P& U
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) S; P3 K) E( v" y# j" Q
唔係d錢蒸發, 而係比美國佬洗晒未來錢, 7 H' a: m, E* i+ R8 S; M
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 7 z: ]' q; x8 B7 p1 T. r6 S9 ?
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- C% @* }, u! Z; l
咁你話d錢蒸發左去邊? ...
: U" w( W2 V- c) A6 e  }( V/ V* W- a4 T2 B% k( a
正係咁樣
9 N0 s7 s0 e# C$ 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
7 T, l% L* q+ u. v3 _1 z: e5 T分分鐘佢地唔使還錢! T9 e! X7 q4 i3 \% W( M1 j# d* x

' W; \' i+ ^' {# e6 @: n6 o% ~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,  V' u* G. j% g  p" \! d. F
連國家都係問人借, 不停發債券, 印鈔票0 p, h# l( f, s+ @( |) P
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
- p4 `! l7 N0 V. D* T  L# M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; ~$ O( p4 f) o/ G2 h2 Q
咁而家"爆哂煲"算唔算先至係變番"正常"???
, i6 `& ?: l. q; G: m
3 W4 B( A$ H. N* {其實係...
7 M' a9 |/ Q# ?0 j因為以前未生產, 先消費
% D% T1 l+ c7 y; f: C而家就要多生產, 少消費
返回列表 回復 發帖
<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?

重要聲明:26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作,26fun.com對所有留言的真實性、完整性及立場等,不負任何法律責任。而一切留言之言論只代表留言者個人意見,並非本網站之立場,用戶不應信賴內容,並應自行判斷內容之真實性。於有關情形下,用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限,故不能完全監察所有留言,若讀者發現有留言出現問題,請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言,同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論,敬請自律。本網站保留一切法律權利。