<<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.gif% b- n4 i; q6 F
Why bank will sell 借據給第三者???
& s, I3 L( @/ p( xI was so confused.....
' ]  d. b! ~3 |. A/ w+ E* U4 R) R" F* O2 k, O# R+ }+ Z
講到尾都係賺錢
% K% w1 `/ k/ q  B0 e1 cso銀行可以不斷放款
* o4 Q& K9 x$ @5 x/ [" ]美國的房貸問題散佈到全世界
6 C; }4 D, c+ S& U7 R% E) ]' \7 Z3 d) Y, \7 H. u" y) d
mortgage loan
: W( W+ p) b4 W1 U3 ]) w/ ]0 K>conduit
' r" u% x- g1 w& G) }>RMBS(Residential Mortgage Backed Securities)0 U. o! g  u0 l7 B! A! G" t
>arranger
5 N# k3 y5 |# O>CDO(Collateralized Debt Obligation)& ~9 K0 i' p/ E  @/ q7 C1 z8 I
最後去到投資者
i thought it is the reason of rate of return.: W2 `. V% A/ e7 p1 E
CDs could have different ratings, AAA -> F,4 F$ {! |1 g6 W/ a" V
more risky ones would have higher premium (interest rate) as a compensation for an investment.
2 o' j  b. B3 v! j# zmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
. @2 T" ^0 k0 y- V+ win other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.- i9 l1 R& I0 K" u& ^; ^/ H% G
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
& g2 t, Q# n5 n- y$ H# \similar to bonds, CDs trading in the secondary market have different value at different times,
- @' }' E4 k7 W4 H1 `3 Y* bnormally the value is calculated by adding it's principle and interest.
) M+ T. y' s. W' |  Z2 [eg. the value of the mortgage+the interests to be recieved in the future.
  Z. [9 i' }% |, v7 a+ H  cbanks 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.8 I9 c; }+ A, G. w* W7 w

+ r: T, q7 B. Qim not quite sure if the multiplier effect does really matter in this case.+ S1 U" c+ S1 D1 A8 G  t# T
in stock market, it's the demand and supply pushing the price up/downwards.6 B/ L: Y! i6 t. j3 D! x
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
" W- {1 |% a1 F; A" N6 BA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
/ h$ E: A& }8 c! X) i9 \% OThe 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.
! w; w! w+ J( K' S' |, lbut the value of their assets did really drop significantly.: G3 \  C: W5 h, G- x

; ~2 p3 t& I7 t% }) T( Y2 y) u# B[ 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$ B% u$ f8 H
Refer to last example,
% U; d, b) z3 Z( u- athat means bank A have no money because we borrow 10 dollars from bank A # G. @/ q2 c9 I+ x) }
Because bank A doesnt have enough cash on hand * W; h' F2 T8 n* B
therefore bank A need to be bankrrupt ??? Am I right ?? ...
; j- r0 h& |0 ^4 {$ P0 }
+ Y- V7 v7 c2 H9 G

7 U2 n# @0 ^3 \- D( qA->B->C->D->E" M. s9 {" v4 M/ G- k; T! J
so does it mean if E failed to pay D,
" O% \% K8 U/ f! yall the B,C,D,E have to go bankrupt?2 ^* D1 m0 y$ O. x4 P

; T. Y9 J; N1 c+ G6 W
# C. S# B& ?2 Y6 ythe multiplier just tell how much money created in a whole economy,
: z6 g0 C2 }) M& `; ein this case it doesnt really matter how much money is created, ) S# p' ?9 w! W; B: C0 L
it's the problem of the debt itself.
, _# a' _7 A8 V1 i  f  s# i5 a) ?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+ }, j2 y' s* F7 `1 x; [
小弟一直都唔明...
5 V: A9 q& q; T
. i& T; a( J. M- l全世界都蝕錢,咁邊個賺緊錢呢?  \: `: s4 {9 [, F

$ k$ g! s8 ~( R6 g無可能淨係有人蝕錢無人賺架嘛...
8 J4 d+ s  z/ i4 _; E
& X( e( m7 ?4 l& F/ {0 Z$ Q  j: S% ]. y敬請各師兄解答5 }+ v; [' A' H: x( i; p. [7 p
8 W3 r4 e0 n, Y8 V4 t) L* q& O8 q
Thanks
0 r2 h" Y- U* K4 K' ?9 Y6 f8 Q那些根本係 紙上財富  $ z+ U, `' Z, j
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 graphic6 b$ k* |: ~/ g" N

3 y3 V4 |& e+ d, H9 k* mhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
: U5 [6 o* S/ Y( E! |當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
9 C2 F+ F. y" b& W# W" ^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9 M9 `3 ?0 o5 j+ V. W
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
) I& W, x* d* m% l& ?8 g" h( g扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,$ C( {! [! V7 ~3 s- @
計番回報率就已經係50%,所以可以好好賺, B2 M. X  R+ w, U7 L
前提係銀行之間要互相信任先可以咁樣借法
* C* R  K0 _4 Z# Y$ Q2 I同埋個市場既前境要係好先得
2 z+ n! u* N* T) m& d7 Y, o但當經濟一差,公司估值趺了,物價不升反趺
% t. L- m% M5 L% e+ b$ G! x例如剛才說10蚊的, 趺到得番9蚊,
+ x5 S; m) Z5 x5 V2 @咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
+ i- O, ~9 w/ ?& q所以你就會覺得D錢好似蒸發哂咁
& V$ m0 W& \9 z9 y8 E
- a6 h& U* v7 P你都可以當標野咁諗, 個樣野多人可以狂升值, ; I+ ]& p, v# r, 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, % M9 l' s$ l+ K/ H7 R* A5 T! G
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, + F/ H  @2 o/ @/ `$ |6 n
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& n: M1 _1 D7 u' G# I( g. `
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
  X+ |" P% h$ y2 n5 O) i唔係d錢蒸發, 而係比美國佬洗晒未來錢,
( N. W5 A  D8 j$ E0 S, M淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, , m, M' j9 o1 d' @/ d9 H) 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( l. p- H! c0 _1 t) C( X2 ~
咁你話d錢蒸發左去邊? ...
, e/ q% K; r0 p6 q3 k. ~* d3 S( J8 w; h8 @: f8 Z7 V
正係咁樣9 u  f' T3 j3 k
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
3 P. y' M/ O7 S5 B/ ]+ {6 f" {- H分分鐘佢地唔使還錢
0 Q' r4 Z/ i5 i9 H  i! R* }, ^
; ^3 Q$ C/ Y' V+ ~$ v4 U: p- z5 G3 s1 C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,+ R8 X' w7 w9 F0 X) @4 y( f
連國家都係問人借, 不停發債券, 印鈔票
3 H0 p( U' a& U  R一個國家好少出口, 而又大量入口 ,反映到佢唔多生產% \$ ~; }8 K: g9 C; A/ \4 G4 L8 |. 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
2 e, G+ s0 W1 u( {5 h咁而家"爆哂煲"算唔算先至係變番"正常"???
2 Q. z+ z% B/ F* x6 o9 i0 e% _) x- A
5 ]  F! w6 S. [
其實係...! O5 O  g* t3 Q7 S
因為以前未生產, 先消費
! G6 `3 Y/ {3 O3 x( H$ A4 d& t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。