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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.gif2 g6 Q5 |' ?7 M1 @5 T- m+ a- l
Why bank will sell 借據給第三者???
7 `5 R. f8 h& L2 x( k7 RI was so confused.....
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8 M- }7 N1 v- g; ]講到尾都係賺錢, V) }2 D1 }( Q- ?3 D5 ~
so銀行可以不斷放款
' ]- Q% s" p" b) [, Y美國的房貸問題散佈到全世界- d( |* z" r  L
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mortgage loan 0 y. n- E& w6 U5 e" \" M
>conduit
' I; _, g0 n, a>RMBS(Residential Mortgage Backed Securities)# z0 W/ d9 g! ~" D5 k* h% o
>arranger( i/ U# P) U+ F' k- W
>CDO(Collateralized Debt Obligation)
- U: H' Z" j" v( d最後去到投資者
i thought it is the reason of rate of return.* K0 |6 C  P0 K( |% I" j$ j8 D0 A
CDs could have different ratings, AAA -> F,, c. C/ P+ X& K! U1 t1 O% a
more risky ones would have higher premium (interest rate) as a compensation for an investment.( F7 e, Q  a, v. ]. v& L
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
9 N( ]8 l: k. ]9 X7 {0 gin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.$ c8 D0 V; j+ e# [0 R$ u  U: _
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.3 |- u- v2 f. J9 k  f
similar to bonds, CDs trading in the secondary market have different value at different times,3 A" n; D/ Y4 y& Y) R
normally the value is calculated by adding it's principle and interest.
/ T, \5 Z) a; Zeg. the value of the mortgage+the interests to be recieved in the future.
* ?! ]0 F: `2 R/ l' L9 u% j! G9 O2 ?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.: k9 g) W- `" |/ a  G
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im not quite sure if the multiplier effect does really matter in this case.5 X6 \' I9 L. }! q* {0 K) ]
in stock market, it's the demand and supply pushing the price up/downwards.
3 a5 w1 ~; Q  h6 V& k5 mFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,7 S7 f/ e! R: @5 ^: M
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
% h& J2 ]- O2 `" Q  j' iThe 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. ( x$ Q  l0 _/ L1 y% t/ A4 L9 a
but the value of their assets did really drop significantly.& ?% R; i# F4 Y7 @
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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. X5 f6 C4 |6 ?: \: ?
Refer to last example,7 ?3 y; a2 b2 M+ t
that means bank A have no money because we borrow 10 dollars from bank A " d( A: i* _. b- C0 W; l# E
Because bank A doesnt have enough cash on hand
& y' o) I# q1 t0 ^! v/ d( dtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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# F) h- H5 R7 m3 n% ?A->B->C->D->E
, l) V2 \) T6 {so does it mean if E failed to pay D, # D6 N- E! `7 U5 C! _. x
all the B,C,D,E have to go bankrupt?
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% R! `# T9 ]' u1 k! Y0 ^. Z, dthe multiplier just tell how much money created in a whole economy, 2 a% u6 [' C% x! w& c* J. P# p' A3 I
in this case it doesnt really matter how much money is created, 2 r0 Q3 s, _& N
it's the problem of the debt itself.
( w  g$ G2 c; \! ]1 |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
& |0 z) X) }2 J" [0 q; ~, E; Q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 o6 E( M* O" d' B5 }2 g, [無可能淨係有人蝕錢無人賺架嘛...
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& K- D+ C0 p& P8 A% d! V敬請各師兄解答# j) `8 l; q' ~

, k9 [( c- U2 s+ x' b& ~. Y% iThanks
" }6 t. y+ r  k7 v: D) u: Z# X那些根本係 紙上財富  ( Y( n- W( X0 z% Z& b2 S  {
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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http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產, g& N  f1 ]0 Y" ]+ F
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
/ Z; L6 A. v* @) M6 V* V! A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& Q. M! K5 q+ Q' c8 W
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦6 k4 B- p) X  q2 r; _0 W
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
+ a% r$ n* T* B+ ]: t" l7 F計番回報率就已經係50%,所以可以好好賺
# m2 x5 k3 q( Q  i! K4 d3 n前提係銀行之間要互相信任先可以咁樣借法
5 ]$ y- F6 m. v4 O0 J7 o9 {# R同埋個市場既前境要係好先得2 M* S. `4 g2 T4 v/ D* \# E- a
但當經濟一差,公司估值趺了,物價不升反趺
9 }/ w  f  Y7 @例如剛才說10蚊的, 趺到得番9蚊, / x  r' \, {; x  P; K2 a: T
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
% Z' ]- F0 C/ Y6 [所以你就會覺得D錢好似蒸發哂咁4 i+ I9 {: E4 D8 q9 f/ \# A

  o9 l1 `( }9 N0 S你都可以當標野咁諗, 個樣野多人可以狂升值,
: j7 @8 P; y$ o7 r6 T% J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,
( r9 q& p# \+ ]# {$ U4 f, v淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
: `) q; }. y; J! Z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) d, ]7 A3 m$ ?& C
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 v' `: n9 \( E5 G% g5 ]7 e$ L
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
/ p& L/ q% |8 _淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
/ S, h4 T! T' |$ P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* G6 g7 k4 c1 \: U& Q
咁你話d錢蒸發左去邊? ...
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正係咁樣  v1 z1 s* y" S  W
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
$ h7 i! p. `  s+ ]分分鐘佢地唔使還錢$ l3 w. m% ?( W  H
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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,) n* ?! O7 |* h2 A  `
連國家都係問人借, 不停發債券, 印鈔票
/ k* E) h5 q- P- k4 @一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
8 @- J/ E, g+ z: g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.gif1 v! O3 a- }8 K. Z( N& E0 \" r
咁而家"爆哂煲"算唔算先至係變番"正常"???
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% ?9 W1 J; c  g& O6 @5 a! j其實係...7 U& Y4 e' i& B/ Y) K; L
因為以前未生產, 先消費6 N0 c$ S2 V/ q1 S
而家就要多生產, 少消費
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