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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: {2 m5 H, Q4 P+ C
Why bank will sell 借據給第三者???" v. J0 @' h5 k5 }
I was so confused.....
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講到尾都係賺錢
6 `/ j' b( K8 \+ }so銀行可以不斷放款
( x0 m" u; s. J8 P( O- \! |2 Q9 H美國的房貸問題散佈到全世界- d9 R" m5 q( S+ e6 F( V* {

+ d/ u  v. n6 m+ E, dmortgage loan 1 e; ~& C8 P( i- P/ n2 C
>conduit  n8 u2 t* `1 P/ h- W
>RMBS(Residential Mortgage Backed Securities)
3 R7 C/ ]1 S) ^& J) N- X+ C9 X>arranger# }+ ]" u# t3 t2 [  v- |
>CDO(Collateralized Debt Obligation)3 m- e! V, X6 }
最後去到投資者
i thought it is the reason of rate of return." g4 U8 R$ z) {+ v1 k
CDs could have different ratings, AAA -> F,
) [, E' e3 U6 `1 U$ B$ Emore risky ones would have higher premium (interest rate) as a compensation for an investment.
! Y0 W6 Y$ j$ P- a  E  k4 Rmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
8 j$ q: s% j+ S8 _. ]; l. _! J  Sin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
0 _) B- F/ b8 m7 W& B, CAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.: T0 o+ V; T5 x
similar to bonds, CDs trading in the secondary market have different value at different times,
9 L$ v4 N1 Q" E1 ~$ w, Fnormally the value is calculated by adding it's principle and interest.
  [! Z3 O2 w! M% i3 Ieg. the value of the mortgage+the interests to be recieved in the future. 6 y. N$ x" i& q
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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im not quite sure if the multiplier effect does really matter in this case.* H; G, q# M0 ~1 S0 v; d0 {5 p
in stock market, it's the demand and supply pushing the price up/downwards.7 X& K* s# x  p5 R3 V4 _+ ]
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
0 G& o) m3 p  ?+ e4 {A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.6 r' ?* L! q  e4 I
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.
. w3 w( V* A0 s8 {& Y4 Qbut the value of their assets did really drop significantly.
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- ~; c3 i$ m, J8 h. P  {- Y: u[ 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.gif8 I, T# m9 x. f4 v; d4 J- I8 W
Refer to last example,
$ o# d- O5 A* [+ U" Rthat means bank A have no money because we borrow 10 dollars from bank A * {- r; H: l; a; e5 }( T8 u0 U/ H# ?
Because bank A doesnt have enough cash on hand
. Q8 ]' R( P) i2 A1 Ytherefore bank A need to be bankrrupt ??? Am I right ?? ...
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+ o8 y  o( X& F4 D7 T/ {A->B->C->D->E# Q2 I8 ]3 T7 _6 M1 A* J% E  l
so does it mean if E failed to pay D, & ]4 x" U; \0 Y  x* q& ]
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,
: d9 q5 z! B6 B0 [0 J& F  E& t; a! ~8 Jin this case it doesnt really matter how much money is created,
' j3 {4 z! c7 u" k/ I# i5 qit's the problem of the debt itself.8 c: L4 b# B+ |
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
9 i$ S6 i; S7 I$ X小弟一直都唔明...8 ]4 I$ g  h& J9 S

" v6 u9 r8 h8 z, G* D全世界都蝕錢,咁邊個賺緊錢呢?
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3 \5 d. O% }9 `: j) ~無可能淨係有人蝕錢無人賺架嘛...
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2 m& q  ^/ A% p2 Q  H+ ~& o0 K敬請各師兄解答
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2 w! D8 ?1 }( J- t( Z7 u6 `6 R1 gThanks
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那些根本係 紙上財富  
; i/ g# d- F5 f5 I3 t5 u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
, Q( z$ H; s- x2 u8 A當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
; Y" x2 {  z) u- p& {, _4 `; B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
, T0 X3 E1 k0 r# h# j* K  h) `個件物價係市場好既時候升, 例如15%先算,變左12蚊啦+ k) x, F$ z5 M4 m
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
3 Y" x5 X9 P! b! P  `$ s計番回報率就已經係50%,所以可以好好賺# J5 I( [/ |0 a
前提係銀行之間要互相信任先可以咁樣借法2 k1 s! Z) }1 V5 R! g) ^& U
同埋個市場既前境要係好先得
. l& h1 L; E' p* H5 o- W但當經濟一差,公司估值趺了,物價不升反趺$ s+ ?2 T0 ~& s. D$ ]. d
例如剛才說10蚊的, 趺到得番9蚊, : q; y& [4 V/ H7 y. D! C) }* l- |
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%% d' h8 g4 h. E
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,
, c4 `* t/ x. M" N$ U% o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,
5 }, P8 V, W0 U: ]' V# q淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
. b* v" n; Z3 m8 G3 z7 k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
5 m. F# i( O8 U$ w7 Q) M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
1 Y$ o1 a( j' x+ |唔係d錢蒸發, 而係比美國佬洗晒未來錢, 0 x  V$ n. O$ o2 a0 M, k7 O" k4 y
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 1 m5 p9 s2 Q# _  {. 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5 i  b# O) b; v, ?0 |
咁你話d錢蒸發左去邊? ...
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正係咁樣, d: N( d$ k: T/ d  w1 d2 X( a0 n
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 \/ R2 w- A& I, ^( i分分鐘佢地唔使還錢  u# l2 @* v6 U% L2 M
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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,
2 x* e* ^' V" k7 e連國家都係問人借, 不停發債券, 印鈔票
: P7 H- o% \1 D! e一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
" `! d, X" s+ D" U4 H0 D6 P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
! X3 a1 ?8 A8 J9 L) l( ^- G- n咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
2 Y8 l# V/ r$ _0 d1 z( j1 `7 j- ]' g因為以前未生產, 先消費
; O6 w  b8 Z2 h, s而家就要多生產, 少消費
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