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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
0 ^' k* g  z# _8 f! o4 FWhy bank will sell 借據給第三者???
6 E! a+ d, p: E* TI was so confused.....
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7 V; q( m* R8 K8 m! {- j講到尾都係賺錢9 D' G5 ^6 ?5 T0 r$ e
so銀行可以不斷放款& k: c, T" `" b  i
美國的房貸問題散佈到全世界' B3 v% ^  B: V. N- F/ p

2 B7 N3 j' @* x+ Gmortgage loan 8 {! ]; S$ d0 p. n7 _# x
>conduit+ i9 ~6 k1 y1 c& U
>RMBS(Residential Mortgage Backed Securities)
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>CDO(Collateralized Debt Obligation)$ n5 f5 w9 |( ^
最後去到投資者
i thought it is the reason of rate of return.* y5 P, ^4 W7 E2 U
CDs could have different ratings, AAA -> F,
. S; @1 K$ n/ H  B1 b* B' amore risky ones would have higher premium (interest rate) as a compensation for an investment.
. O  G$ u1 B0 d3 N& rmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
3 b; K# M) i; G/ w0 S" n! cin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.+ s' K/ ?9 k- i0 u3 k. J
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
4 f6 {/ p+ E6 `0 |" r+ q4 {/ wsimilar to bonds, CDs trading in the secondary market have different value at different times,9 D7 ^# c) j+ m( k* }, L
normally the value is calculated by adding it's principle and interest. : K& ~' N, X1 h. G+ D$ b" J
eg. the value of the mortgage+the interests to be recieved in the future. 1 A9 }! n+ E4 w: ]9 f( X
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.6 K4 G; l! F+ A5 |

/ t$ y/ _6 ]( z8 T: S6 Qim not quite sure if the multiplier effect does really matter in this case.
$ n2 H! s4 e' m9 k6 |" iin stock market, it's the demand and supply pushing the price up/downwards.
& B6 E4 j/ M3 t* {. m, y" X# jFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,* L2 u; E2 ~& ^, e' c
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction./ z: I; [' S- |# e6 X% M- l
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.
3 Q, `3 M# B, J& d/ i) V" Kbut the value of their assets did really drop significantly.
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- W1 F% [% j. E: x0 {0 b/ ~6 B9 @[ 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
4 o- |- E) Z8 ~( r+ P/ }Refer to last example,- W8 I, B3 H& M; h$ \, ^7 W
that means bank A have no money because we borrow 10 dollars from bank A
9 u+ S. P3 W- V' TBecause bank A doesnt have enough cash on hand + ^( C' d- F6 `
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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$ b% C; y4 t" i( J" f, m- `- F# d
A->B->C->D->E
- M8 M1 T$ k7 l3 A% L* h+ ?* fso does it mean if E failed to pay D,
7 l+ e. E, _' A( W! N5 i8 `all the B,C,D,E have to go bankrupt?
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1 ?- M2 t$ B9 A6 B" A5 v8 c! f2 b/ i7 K7 v  _' _
the multiplier just tell how much money created in a whole economy,
- V, l; b/ \! N: bin this case it doesnt really matter how much money is created, / ]: Q$ }+ y0 \0 R
it's the problem of the debt itself.
) e* ]8 Q3 s6 }  ^- Nthe 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
  O2 N+ T, U2 G5 {小弟一直都唔明...5 C9 }4 J; ?! I

( H2 c8 H! M- T: D全世界都蝕錢,咁邊個賺緊錢呢?6 P# a% y- \, @+ x' R* \3 i& p
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無可能淨係有人蝕錢無人賺架嘛...! n, U8 `3 o3 @0 e3 b
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敬請各師兄解答, q3 e1 A; e' C8 c

5 T# Z$ E6 Y' }" a& o- c1 v( SThanks
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那些根本係 紙上財富  
1 `4 c- o, X0 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 graphic8 \) o0 ]" d+ [/ ?; t$ S1 A# J1 F- z
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http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
* P% |1 L8 p' L! q當經濟好,投資銀行相信會賺錢, 物價既估值相對較高. w0 d7 J$ @1 E( Q8 i, x  u
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
5 S5 p2 r* f: D" v& E' h3 N個件物價係市場好既時候升, 例如15%先算,變左12蚊啦* R, `7 T/ u5 Y6 N; _
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,4 z- G# P1 O+ d# i# x
計番回報率就已經係50%,所以可以好好賺; E9 c4 d/ ~) q7 j
前提係銀行之間要互相信任先可以咁樣借法
9 {0 ^$ r% s* Z- l$ O同埋個市場既前境要係好先得
# s  g/ v7 ?4 A8 ^& h  U2 v但當經濟一差,公司估值趺了,物價不升反趺
: e5 K" ^: h  y6 u2 h' p2 n例如剛才說10蚊的, 趺到得番9蚊,
6 T2 H* Q6 S0 m+ w咁投資銀行一下子就要還11蚊, 一來一回變左虧200%/ c3 g, P4 u1 u  i
所以你就會覺得D錢好似蒸發哂咁! b# J3 r- C( U2 v: j- O

- P6 d; g9 J: L你都可以當標野咁諗, 個樣野多人可以狂升值, ( C, ]2 _) t  H; ~; X' p2 m( Q
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 c( q& y. M1 `( @8 G
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 4 L8 i1 }  J/ e. `  u
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' f3 a: h# K, ]! n- C, 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
" Q8 ^* C* I' ]唔係d錢蒸發, 而係比美國佬洗晒未來錢, 6 A- K8 w9 C$ f  m3 F# z" P
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
$ R& Q, f0 N$ R9 y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
9 {! J, D7 D2 v; o$ z咁你話d錢蒸發左去邊? ...
$ d- c/ A8 D( E9 T- e- h1 A) A# L8 p5 s& x8 A: Y# `6 a8 ?( X5 E
正係咁樣. H. {7 q0 b' c: |8 x/ X5 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& W3 `. S: W* ?; Y) N/ o
分分鐘佢地唔使還錢# Z# k' j; g2 q5 n1 O

* T4 x' M. T, X9 m5 x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,- o" _( G) |) u* J9 e
連國家都係問人借, 不停發債券, 印鈔票
% i$ }: Q; y9 m/ q0 p! E/ q+ V4 r& I一個國家好少出口, 而又大量入口 ,反映到佢唔多生產5 A" u) j: k- M4 w4 P5 m$ p$ B
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
' I4 A1 W3 h' S咁而家"爆哂煲"算唔算先至係變番"正常"???
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  O$ O, O9 O' ?4 V其實係...( T# U; K* |4 Z( M) o) x. }
因為以前未生產, 先消費
7 m) [' c' i9 a& h/ }4 z4 r' ]而家就要多生產, 少消費
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