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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) @9 a# k3 d6 A: ^1 h
Why bank will sell 借據給第三者???* i! u& e/ n  D8 O: r8 k
I was so confused.....
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講到尾都係賺錢
3 Q3 b, p, U* D9 Q5 {so銀行可以不斷放款0 L- O% M/ }# K, D, L/ X
美國的房貸問題散佈到全世界
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mortgage loan   p1 ~) s! C, E4 \3 L/ i
>conduit
: |: H; H' R& J, ~5 ^>RMBS(Residential Mortgage Backed Securities)
; u% k2 D! }4 [>arranger4 X9 j( T2 {+ R9 Y# O& i
>CDO(Collateralized Debt Obligation)
: ~& X7 R( G8 W3 G5 Z' z& I" \最後去到投資者
i thought it is the reason of rate of return.
% T& R) [: y% i" b, B5 \# LCDs could have different ratings, AAA -> F,
# c7 ]3 {! s, c; L1 o! m# \more risky ones would have higher premium (interest rate) as a compensation for an investment.
2 q  {0 Z1 p) K! bmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,# I( M: q1 z3 L& _- g1 Z
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.1 ]1 Y! {; U+ ^* I7 h6 H, m
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency." u: _3 K" t; t/ H2 J( Y3 l
similar to bonds, CDs trading in the secondary market have different value at different times,' X9 P1 F* z% _. M
normally the value is calculated by adding it's principle and interest. . G; {; t8 \, x) y6 X0 z
eg. the value of the mortgage+the interests to be recieved in the future.
: b" Z$ ~( B1 {4 d# pbanks 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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im not quite sure if the multiplier effect does really matter in this case.
8 R$ h# D/ O! s0 g: Cin stock market, it's the demand and supply pushing the price up/downwards.% \6 C1 h) g$ O# q3 l) J
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
7 r2 F1 c/ ?7 k( aA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
. A% C, ~$ s2 G* kThe 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. " R2 W6 S: H$ R+ E- p
but the value of their assets did really drop significantly.
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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% Y% z/ A& y5 j; c  c  r( O
Refer to last example,4 X8 `5 ~  o0 {) t2 T! ?( U
that means bank A have no money because we borrow 10 dollars from bank A   U/ H! d: M& T" ~+ d( [# _
Because bank A doesnt have enough cash on hand
( P6 L$ t$ x( l' |' ytherefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E+ d. @# e$ p3 I, ~+ T: M
so does it mean if E failed to pay D, " K, y, h7 O0 ^8 V" t
all the B,C,D,E have to go bankrupt?
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the multiplier just tell how much money created in a whole economy, 4 E1 L6 Q. s0 E$ w
in this case it doesnt really matter how much money is created, 4 f* O7 d. l1 d. ~6 q
it's the problem of the debt itself.3 O8 W* F& R2 n( `
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- {$ s6 ?, H- U( ]3 r& j/ I
小弟一直都唔明...3 u! G* Z) D8 i" z2 y

. O0 a3 g$ ^; P' A全世界都蝕錢,咁邊個賺緊錢呢?8 K# S5 [) ?: R. L& t  X+ P2 ], K

* E1 s& ?* h% z& T無可能淨係有人蝕錢無人賺架嘛...
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9 ?& |4 E5 }; P敬請各師兄解答
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Thanks
3 x' [! f6 u6 I1 y# N那些根本係 紙上財富  
* L- e8 `! Y0 D) m% t) Z% Z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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0 c6 F% C( y% j, [http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
& M4 M1 _. J) d+ K, Q當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
: h$ C  d& Z/ p# V9 F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( C1 S3 d2 @9 T* V. J
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
* ^: g5 N. X- z( G扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
; ~$ T; B2 ^4 G; |6 I5 u0 y計番回報率就已經係50%,所以可以好好賺& `* J% ~# Z" C- z; z  h
前提係銀行之間要互相信任先可以咁樣借法
0 f! @. Q: E1 @+ k% Z$ T5 G- U+ @同埋個市場既前境要係好先得
! X! o2 w+ `! e9 w# g但當經濟一差,公司估值趺了,物價不升反趺, [- V: Z% w2 k$ W
例如剛才說10蚊的, 趺到得番9蚊,
8 }+ s( d$ k: w- V( S咁投資銀行一下子就要還11蚊, 一來一回變左虧200%3 w8 Q# l7 T, P+ u9 \, X
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, + v8 t3 y% f& D' L3 _
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,
. R7 X5 ]1 w, O5 [) S+ H淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
! n5 S7 Y- l0 Y$ |+ ^- s  C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
$ g$ s5 l8 V! }( J1 j- Q  I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
9 ]8 v) W3 Z5 y/ |" K唔係d錢蒸發, 而係比美國佬洗晒未來錢, , d  ]' P) y6 H( E
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
$ ^0 u! l6 I1 Y* e2 `, m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8 p7 R& C3 P2 @' m# T  L; p
咁你話d錢蒸發左去邊? ...
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  O8 I. S; t5 ~  }. i+ r正係咁樣
: H7 s' U  d) B! W% B/ P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& i% ~$ p: M8 D' I( n7 m
分分鐘佢地唔使還錢! H' [# y  z8 W7 l. B1 ?

& N- {2 M- d4 t0 B2 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,8 S9 }# Q; A2 L. E& E8 i) B  g
連國家都係問人借, 不停發債券, 印鈔票
& ]$ Z4 B& i# H+ i& p, ~2 B( ?一個國家好少出口, 而又大量入口 ,反映到佢唔多生產0 d, K+ t2 T: v' d$ L8 t& U% o! t' V
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; R& C' ^! i8 O, D3 S$ q, @咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...) t. J7 b, {% Y
因為以前未生產, 先消費: d7 `* i1 M6 D0 {
而家就要多生產, 少消費
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