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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) P0 `/ ?# i, u$ L5 `
Why bank will sell 借據給第三者???
2 r* _. ?9 o9 _9 gI was so confused.....
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' c$ P0 S& I& G  l" c7 c/ `講到尾都係賺錢
6 R1 u" V4 Y) i, ~% R; `+ `so銀行可以不斷放款3 Q0 J" f" z& y* D! Z" Q) M) }
美國的房貸問題散佈到全世界  e2 ~" V1 `2 i0 @4 i

$ H7 F8 X+ w4 v2 B  g: @0 E8 rmortgage loan ; B. [% }  w% M. J% y- G4 G4 J
>conduit. O) {+ |4 B7 H) t
>RMBS(Residential Mortgage Backed Securities)
, T+ ^+ v# Z- G  q# q9 {>arranger) r: l1 q7 t" ~! |1 n' B0 z
>CDO(Collateralized Debt Obligation)! e7 Q4 ]/ N, N' f  n" i  W
最後去到投資者
i thought it is the reason of rate of return.
: z' Y2 N- ^* X: o/ F1 JCDs could have different ratings, AAA -> F,
9 M& t2 l6 a* p- emore risky ones would have higher premium (interest rate) as a compensation for an investment.) O! w+ _% x' L! A; E% @  G
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,* e3 d5 w+ P* b# L
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.# |' L$ F3 q) j. \, Z
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.) K3 G; ]: z: I) ]. _- K
similar to bonds, CDs trading in the secondary market have different value at different times,( J$ \, Y. _& m0 b9 A4 l! |2 t
normally the value is calculated by adding it's principle and interest.
% ?" ?9 ^6 z; v# y# a$ e, k- Qeg. the value of the mortgage+the interests to be recieved in the future. 8 R( h* |# ?8 c1 r& 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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- _# S( P1 o: N- e; v! nim not quite sure if the multiplier effect does really matter in this case.
6 q+ G9 y9 [. |- S7 kin stock market, it's the demand and supply pushing the price up/downwards.1 O  ~$ x% ]8 \) j
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,2 ?# z* M2 q' @0 e; D  ^
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
) r: [& s& m1 RThe 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. 5 m% }, J4 j: X1 _# F
but the value of their assets did really drop significantly.' G$ K4 n; @; ?7 v) P% h# z% b
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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' o; ~7 [* h. H8 D8 w% M; g4 M2 l
Refer to last example,' `2 |/ s- c0 i8 p7 i1 U$ ]! U% o
that means bank A have no money because we borrow 10 dollars from bank A * |6 T; k; C6 Z: A% \4 J, H
Because bank A doesnt have enough cash on hand ' Z6 t/ T( v, E
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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. k4 t% _) V. ?3 [( A7 a) RA->B->C->D->E
/ G$ M8 M/ q0 {+ X( _so does it mean if E failed to pay D, # F) ^: |! E' i- g( ?& y: {" y
all the B,C,D,E have to go bankrupt?
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( `8 G: W$ h9 D% I2 H1 gthe multiplier just tell how much money created in a whole economy, 6 ]6 d7 Z" F  Z5 B& o- P
in this case it doesnt really matter how much money is created,
0 E1 H/ i2 A- |, u9 Iit's the problem of the debt itself.) R9 Y0 q! l& A0 |* a4 D
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
/ n0 L0 }* H/ q' P小弟一直都唔明...
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- q$ E/ [' j( t6 [6 s全世界都蝕錢,咁邊個賺緊錢呢?# J- G5 J7 A# a. V

' a" \2 c  b; f$ a8 u8 i& {8 M  P- y無可能淨係有人蝕錢無人賺架嘛...8 w$ g( p+ I. I& I) g' O  S3 v% _7 C

. O0 ?# s$ e- X2 A* }' ~: p0 y敬請各師兄解答% N. N- c& f, L( P9 [% m$ H

+ M' ?% X2 C4 \( h+ UThanks
$ L* ^6 o1 M0 T9 c5 c2 s+ J, `那些根本係 紙上財富  1 v- e, z7 U" \: C4 t( ?
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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" Y- W' b' W1 {+ k4 U- D7 Hhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
. I2 V) r% i1 |+ a3 Y當經濟好,投資銀行相信會賺錢, 物價既估值相對較高( I) e- O/ z" |, S6 p
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
3 J  @  Z" {8 Q$ T/ z個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
$ A, V* r4 X/ R4 p/ g1 T6 A  D% _扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
1 a% g9 }/ j9 l2 g計番回報率就已經係50%,所以可以好好賺
) u3 v" G. \  K# t前提係銀行之間要互相信任先可以咁樣借法
& m8 F# G1 r4 n. w6 R1 ]# c* G" z同埋個市場既前境要係好先得5 R1 X, J& N/ e! Z
但當經濟一差,公司估值趺了,物價不升反趺
" m, ~" c  b& L  D例如剛才說10蚊的, 趺到得番9蚊,
. g  H- ?+ K" U3 P5 }咁投資銀行一下子就要還11蚊, 一來一回變左虧200%" K: k; `4 M6 r
所以你就會覺得D錢好似蒸發哂咁
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6 H4 G. `2 j; m* A: y4 ?你都可以當標野咁諗, 個樣野多人可以狂升值, + h& ?6 x- `  M& ^/ A
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, . D: F/ Z  s) s- v. M0 e
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
9 q3 c: M5 h1 W. x! r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( n1 a, k& a4 y! U3 |
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% C3 w! [+ @( ~' A
唔係d錢蒸發, 而係比美國佬洗晒未來錢, ' ]6 t$ v! }' v$ q
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
1 b$ x) f+ l0 o0 D8 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
5 M, }2 c! t; `$ D9 k& U咁你話d錢蒸發左去邊? ...
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. n* J: m, D/ l) S) W0 ?7 [5 Q正係咁樣
2 \8 V& b8 `* 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
2 J2 j; [2 g. i分分鐘佢地唔使還錢# {5 \. l7 F3 Q& n, S

3 i1 m: Q( u9 V1 I/ s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,
& w7 T  b9 q. V8 K& G連國家都係問人借, 不停發債券, 印鈔票
: o; A; h" u; i3 `一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
% L2 a# f) \& _: I' f3 R& d; t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
% I7 m! i- j6 q咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
7 x2 z- f( D; _) T5 k8 r因為以前未生產, 先消費/ |% w# ]7 ?. `, U- e$ @; e
而家就要多生產, 少消費
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