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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: l. D) U' ~- T- x7 Z
Why bank will sell 借據給第三者???
4 X- }4 [( Q: A( V' Y9 dI was so confused.....
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3 I. Z9 _# I; Z4 P' C講到尾都係賺錢% A" p' Z8 M8 ?+ @2 E8 p/ J, a
so銀行可以不斷放款
( A. Q6 D, C* b5 ^/ a# y美國的房貸問題散佈到全世界
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mortgage loan
6 {% i1 `2 E3 d5 Y8 n; P0 E" G0 j>conduit
) R3 \" ?0 o# E, C9 Z9 j) u7 j>RMBS(Residential Mortgage Backed Securities)5 W! p! b" a1 j# U) `. C
>arranger
0 m9 i" d# s: S# z( m5 f& ?7 k>CDO(Collateralized Debt Obligation)
2 w: B3 G3 ?& m' N最後去到投資者
i thought it is the reason of rate of return.0 {# q$ C& Y7 y1 M8 h- k1 s
CDs could have different ratings, AAA -> F,
9 w$ j4 d. {: Y0 ^more risky ones would have higher premium (interest rate) as a compensation for an investment.
, H# d% t+ N0 c; _3 Z  `* n1 c, i2 ?main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,9 e% O3 b7 b$ U$ Q. \
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities., e6 B) \5 a5 z! v& s; F4 Z8 l
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
# n$ ^. `' Y6 W% @4 w" h* ^% Fsimilar to bonds, CDs trading in the secondary market have different value at different times,' y/ }# E7 n5 {$ L$ S
normally the value is calculated by adding it's principle and interest. 4 J0 @  w6 c: R+ R$ i% q
eg. the value of the mortgage+the interests to be recieved in the future. 2 U+ @! \& u" o' X, M! G
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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/ l  q2 Z0 n# tim not quite sure if the multiplier effect does really matter in this case.3 {1 c4 Q$ `9 R5 _; m: R
in stock market, it's the demand and supply pushing the price up/downwards.$ D# H0 O# {& W: X( `- O1 a9 j* r) ]
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
  \/ u* D, E0 ~A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.: T1 A& R/ ~* k9 a& e' Z- D' R  A
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. & R4 m2 H0 I. C! g% S
but the value of their assets did really drop significantly.
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3 N* n. y7 p: W% R$ g0 O" _9 H  ?) Y[ 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. g, r# X  k" L! S0 d
Refer to last example,$ R7 e6 m1 C1 x9 x$ O
that means bank A have no money because we borrow 10 dollars from bank A 5 ?/ X3 y0 c' M9 K* U8 I
Because bank A doesnt have enough cash on hand - f; j! y$ @# v, @- X& J0 G% D
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
6 n; s. D9 t) C$ g1 o) vso does it mean if E failed to pay D, 7 X4 s5 G& y- {% Z0 W" h
all the B,C,D,E have to go bankrupt?
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1 n5 Z* l8 N, w$ m1 _) h8 ~the multiplier just tell how much money created in a whole economy,
. r* p9 j8 z* v' ~3 d' {in this case it doesnt really matter how much money is created, ( N+ u" i( i( D) i& m1 h* v8 E
it's the problem of the debt itself./ K; c4 O- {' s0 m9 d2 x
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
& ]4 J. |$ e/ @  ?! a' U小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?
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7 C' c! I' g3 H4 `: K  z無可能淨係有人蝕錢無人賺架嘛...4 B+ L- q+ G$ _: ^
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敬請各師兄解答$ g! y# ~" q3 z: z

* U( W9 A7 R" {9 YThanks
% F) _1 j7 k# m% ~, ^% G1 z那些根本係 紙上財富  - t( }) r$ v1 {. ~' Z/ ~! h
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% [; }: H0 h6 [6 D2 C9 P8 b, e
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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
: L* c# M; F7 L# }( S( O當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
/ R, I/ P, a/ m( C# Y: y. q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
' `1 R& G5 G' X& ^4 Y2 u個件物價係市場好既時候升, 例如15%先算,變左12蚊啦) n' ]  i% ]# e" G* O
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,+ w# a( M2 V7 `/ N( r3 p
計番回報率就已經係50%,所以可以好好賺
1 g8 `8 t( e* L! L- ~' x- r$ i" V前提係銀行之間要互相信任先可以咁樣借法2 t" Y& l( S) y/ S& h# [8 i  u
同埋個市場既前境要係好先得
- w/ O( @' K& z' b1 p但當經濟一差,公司估值趺了,物價不升反趺8 T) G3 i# n9 n: N  o4 S
例如剛才說10蚊的, 趺到得番9蚊, ! G; q7 D" G9 }' c! p
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
9 [* l  n3 {! g$ o$ m- g所以你就會覺得D錢好似蒸發哂咁
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你都可以當標野咁諗, 個樣野多人可以狂升值, , i1 r3 l5 P( [& W! B- E1 _
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, 3 C  L; O" M. e8 u$ ^* Q
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, & `. |% c+ M- o) o5 v
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
: t' p; F3 V! t3 |( 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
* U, d, q4 O) j8 E) [9 Z$ Y4 y唔係d錢蒸發, 而係比美國佬洗晒未來錢,
( r8 S3 h9 E+ f; U2 H7 s淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
6 m7 @4 Y( C$ p4 R3 E$ |/ z9 B6 \- J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+ e% _9 q: ]7 B+ X
咁你話d錢蒸發左去邊? ...
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正係咁樣
5 ?8 H1 c$ z: x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
( ~# V- t# i5 O% m2 R% ]* [分分鐘佢地唔使還錢* u2 E+ ?5 W( {" N- _
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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,
/ a9 E+ i. P, U. x連國家都係問人借, 不停發債券, 印鈔票! g) W9 t  z1 }* J
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
, r' I2 N: ?. d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) W3 u* p! i% `
咁而家"爆哂煲"算唔算先至係變番"正常"???
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5 D5 U+ f: J% S6 C2 N9 v3 k其實係...+ u- o1 o& @! J4 h# d
因為以前未生產, 先消費
: H3 ?1 c' m6 `; b8 O, b6 k- s而家就要多生產, 少消費
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