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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
. P- w& @* S7 }; zWhy bank will sell 借據給第三者???0 _, l- d; y3 E! q) V8 c6 t; L4 K+ B) s
I was so confused.....
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: {# Y$ [9 L5 ^# _+ I0 V講到尾都係賺錢
- J3 ^" f! i9 S. }0 V  Wso銀行可以不斷放款
; O, x" k# |) K- e0 E美國的房貸問題散佈到全世界: D: ?3 U- g, x
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mortgage loan ' A$ q( p+ Y  Q; }- ]! |! Y
>conduit
6 K4 v' M0 |4 J7 v: Z! g>RMBS(Residential Mortgage Backed Securities)
! g- X& c9 D! j>arranger
5 v( p% r' P' z7 J>CDO(Collateralized Debt Obligation)8 I( g9 y6 _! t; ]4 l3 `" g
最後去到投資者
i thought it is the reason of rate of return.
% G; ]; k; m( s" Q' nCDs could have different ratings, AAA -> F,  B  E( M$ F; p7 x* `9 p. u( j9 S
more risky ones would have higher premium (interest rate) as a compensation for an investment./ o6 B4 l2 b( `8 s
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,. K& @/ ~( ~! _8 b
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
/ F1 J1 k7 I& k" `Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency., ]; k+ R% A) h$ k
similar to bonds, CDs trading in the secondary market have different value at different times,
) p0 G# n' w& Dnormally the value is calculated by adding it's principle and interest.   ?/ @6 R; n  y7 M7 e9 N* r, |+ }
eg. the value of the mortgage+the interests to be recieved in the future.
( b: a. _  a+ c/ T. {1 Gbanks 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.( i, J# B2 z, I. K% N% }3 S, O& m
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im not quite sure if the multiplier effect does really matter in this case.
* w+ H! |: g, W8 ain stock market, it's the demand and supply pushing the price up/downwards.
! B4 h6 i' B+ D/ RFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,7 M5 `) e& r& F' z
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.$ ]! p: i& l% n; P; D% f
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.
( u5 m6 n# s+ G* gbut the value of their assets did really drop significantly.- h5 e, z0 c9 m5 L" }' h- Z

& ?7 w! i$ S0 V8 W- A( {3 q) k8 y2 \8 P9 g[ 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! O9 D% Y( w4 X$ D' Z
Refer to last example,
' [" m# B: p( \5 l& S/ uthat means bank A have no money because we borrow 10 dollars from bank A & S- I) i  I7 S$ a
Because bank A doesnt have enough cash on hand ) o' O2 C1 X6 l
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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4 _* I8 D0 {, S5 jA->B->C->D->E
% }2 @$ {  a$ Wso does it mean if E failed to pay D, / B, v) [+ F, R& R! L
all the B,C,D,E have to go bankrupt?
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; l. C# I1 u" ]: ?- v3 ^; }the multiplier just tell how much money created in a whole economy, . V& h4 u* c1 m, k! ?: n
in this case it doesnt really matter how much money is created,
' p2 B8 t- f" X$ ?& W% V# uit's the problem of the debt itself.3 M0 Q" i! r3 z1 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; x/ R8 g% k, x2 N
小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?/ }1 M8 s  {3 g& k; X/ i6 g, ?9 O

( i% `; R4 o- ]1 Q0 J- t無可能淨係有人蝕錢無人賺架嘛...
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敬請各師兄解答
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, W/ b& l, P  B6 Z1 q3 lThanks
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那些根本係 紙上財富  ; R* i# H5 I& [
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; K$ z5 A3 o. B4 N' v

5 {4 l2 S$ u+ n* c0 ehttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
& ^" F% h* x) J, E7 l當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
# t# e( \! M; t2 l, ]' _, y6 j. 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
) r' u) I, O9 {' _& {2 B個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
  X0 Q8 q% ~6 C  C7 M扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,$ {+ w0 E# t7 p% O$ d) h$ r. u
計番回報率就已經係50%,所以可以好好賺) y4 o) n0 F5 |9 h/ ]2 [
前提係銀行之間要互相信任先可以咁樣借法: Q5 d+ m5 p! O/ u) n. ?
同埋個市場既前境要係好先得3 _" r3 @8 R0 \
但當經濟一差,公司估值趺了,物價不升反趺
4 r* N% O: V" C! Z3 v# z( R% N+ m, }例如剛才說10蚊的, 趺到得番9蚊, ! X3 k$ D. L5 L/ y8 W
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%4 M, J5 }- L+ w3 A0 U1 s9 A
所以你就會覺得D錢好似蒸發哂咁9 X% o. \# j, c7 t' Y+ ]* i0 @( m
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你都可以當標野咁諗, 個樣野多人可以狂升值,
$ R8 C( a6 E5 ~( J# U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 o5 g) }  B- Y6 J4 [7 s淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, # {4 @0 [- z! k: D9 q
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! ?2 }0 C/ P* B
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.gif1 j: G: G$ M- i2 m. s
唔係d錢蒸發, 而係比美國佬洗晒未來錢, 3 ?0 d8 D% O5 ^  |, H
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, : S4 _) w6 S- l7 _
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( `( f- _6 G9 X4 _- A2 s+ [
咁你話d錢蒸發左去邊? ...
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正係咁樣
' Z* i3 B* J# m4 A$ }1 g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
. A$ H" e1 y$ o& u; \" F分分鐘佢地唔使還錢# p0 r  C/ L- I( k
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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,
3 n3 S: C* s1 ~連國家都係問人借, 不停發債券, 印鈔票
( Y+ I  M, z8 R% G: h  F一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
- r& p/ m% C% [7 [% j1 H  R7 ?" \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  m; h/ g" @( i8 p) b0 i. u咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
, S+ r  X- b1 Q  O4 Z/ _' K4 @因為以前未生產, 先消費0 Q6 q; y( i9 C8 m6 r. U
而家就要多生產, 少消費
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