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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' |& u$ J8 Z( E7 }! C/ E
Why bank will sell 借據給第三者???" M/ C! T0 l1 [3 g, y% J
I was so confused.....
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講到尾都係賺錢+ \8 f# `: b' ^) ^
so銀行可以不斷放款
" Y: F" X, p6 H& Y5 {* I, D美國的房貸問題散佈到全世界9 {# T1 i' |5 {7 J6 r# s8 j
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mortgage loan % a9 Q, v9 E. r% {% s
>conduit% }, V- _. J6 o: v* J7 v
>RMBS(Residential Mortgage Backed Securities)" f& L8 k! C- i& A1 @* i# J
>arranger
% J$ m! X9 J. O3 ~- E( K>CDO(Collateralized Debt Obligation)
/ l) S) ]. B# `1 h. B2 r4 N最後去到投資者
i thought it is the reason of rate of return.
5 s" ?; k# V2 D3 ~% h% M# J1 MCDs could have different ratings, AAA -> F,
1 t: X$ \# u6 s9 l# y0 V7 ^more risky ones would have higher premium (interest rate) as a compensation for an investment.
! g- Q; \3 Y/ q* X2 k& Q4 Cmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,  }0 M& W! a/ O/ A+ G
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
5 h% Y8 L, Y- e& |Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
$ Q5 d0 u; e2 S8 [' msimilar to bonds, CDs trading in the secondary market have different value at different times,9 y+ v2 q# u, }
normally the value is calculated by adding it's principle and interest. 4 f+ v" }/ U  T  N% X0 s: s
eg. the value of the mortgage+the interests to be recieved in the future.
2 j% R  D+ ^! t' Wbanks 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.
4 o" G$ ^$ S9 V8 C3 J8 H, }- k+ sin stock market, it's the demand and supply pushing the price up/downwards.. z, k; @/ X% H& x# z8 n
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
' y0 m5 v2 g- A% }/ cA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
- [) ~+ `; D7 JThe 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.
# V. q8 j/ }# [4 g0 Nbut the value of their assets did really drop significantly.9 p5 Q& z/ {, @( D' w
6 o3 e; a- p) u0 Z+ |3 [3 J% ?
[ 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
" q; V. j0 O' F# e0 O# p: D& @Refer to last example,1 o5 X/ Q. |5 U, k/ w
that means bank A have no money because we borrow 10 dollars from bank A
7 H. e. ?$ i' o& o* E( k0 K( I& PBecause bank A doesnt have enough cash on hand
6 T, y* x+ X' h  Z. k7 Xtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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6 |, b2 |3 D8 E" C3 F2 \A->B->C->D->E1 z3 _# [- m$ c* B
so does it mean if E failed to pay D,
: i8 Z9 a. G0 Z) K1 T- dall the B,C,D,E have to go bankrupt?* s) }6 w  E( H5 ~6 {! o8 U! {9 j% U
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& T' R( T  V6 f# N0 i  _the multiplier just tell how much money created in a whole economy,
3 I7 j' h  W% l6 Yin this case it doesnt really matter how much money is created,
5 v* ?; q  M* z4 G3 Ait's the problem of the debt itself.. N. y; S* i5 }
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! ]$ @- b9 C1 J* c
小弟一直都唔明...5 v3 D6 T9 S" I9 O; _  o$ a

3 S' q6 w+ B5 Q1 L6 O全世界都蝕錢,咁邊個賺緊錢呢?
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無可能淨係有人蝕錢無人賺架嘛...
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敬請各師兄解答2 w3 y9 |: N6 Z$ [
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Thanks
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那些根本係 紙上財富  , [+ c: b2 h+ w+ S: 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
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# ~! i) T9 m6 D  M. V- o# _, ahttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
' N, L; G! `# E" Q$ c0 ~當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
& z5 h2 V) @) R8 v, u% k" c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
; S! ?& h% [9 d: n0 A2 @個件物價係市場好既時候升, 例如15%先算,變左12蚊啦' i) `9 g  ]( }: `3 ?% r4 L
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,+ D4 U; j/ A5 o, J- L- G
計番回報率就已經係50%,所以可以好好賺  w& w- z: a; n. P8 z0 W$ R5 g
前提係銀行之間要互相信任先可以咁樣借法
7 `' s7 f# Z# k4 X. P同埋個市場既前境要係好先得
: i2 F7 v; f6 d4 G但當經濟一差,公司估值趺了,物價不升反趺
% G/ S  C$ H3 O6 [  @例如剛才說10蚊的, 趺到得番9蚊,
9 m5 \% k- s4 r; }咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
! @  c5 V- \+ F& X$ J& }% C所以你就會覺得D錢好似蒸發哂咁
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& D4 {/ t5 @/ Y: {你都可以當標野咁諗, 個樣野多人可以狂升值, 2 N: C9 S$ t2 N; z8 b
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, / u5 \# b) T! Y% R
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 3 w; c3 z* P- o; R) k4 o4 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# F# _8 Z/ m" F' ~; k
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.gif6 f/ e# P% p2 h, }* _& K. l! [
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
/ r# W$ B3 |% D; h$ m7 k淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
) l: V1 t6 b. b& Y7 S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6 R% ~/ y" I- n3 d9 G
咁你話d錢蒸發左去邊? ...
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正係咁樣
' f" z4 a% K. v- ]  [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
7 a& Y( {+ \" Y1 ^+ d1 q  g7 p分分鐘佢地唔使還錢; k5 P: `; S8 s  b2 U
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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,
/ }6 a' k) Q* {; m7 H連國家都係問人借, 不停發債券, 印鈔票/ F! ^. s; E0 D$ Z1 R: ^5 R
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產& t. [' Z* s; }' |) 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.gif3 t- T% \5 Q  v. Y! Y7 X
咁而家"爆哂煲"算唔算先至係變番"正常"???
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  K, ?5 p, Q& d% m3 ]- J其實係..." I; r( V! {5 x% E. s8 y
因為以前未生產, 先消費$ Q) z* j& [. A2 ?/ i
而家就要多生產, 少消費
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