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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
5 d  y8 J+ D/ q- KWhy bank will sell 借據給第三者???
% H* L6 E% B# N/ D; G4 E4 m& n$ jI was so confused.....
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講到尾都係賺錢
# d" ^; \+ ~; |5 f3 w% p; a$ Cso銀行可以不斷放款
( e! a4 D. J4 x7 ^1 B美國的房貸問題散佈到全世界* q, z- T) I* n: z% o6 V3 Q

- [1 Z! _8 K9 ^0 D& Q" V- O: M! }mortgage loan
  M$ t. v9 W' V& U; Q>conduit- j; H% n! a- {9 {% B
>RMBS(Residential Mortgage Backed Securities): z: _& I! H& P  d& z' @/ E& r
>arranger
% L1 Z( k4 r$ k$ }  N+ t- o# ?# [6 A>CDO(Collateralized Debt Obligation)
! M( p8 u1 A% e2 P最後去到投資者
i thought it is the reason of rate of return.% Q) R- z, y& r; g- v( p* I
CDs could have different ratings, AAA -> F,9 g- D4 s) X3 i/ n% z* H
more risky ones would have higher premium (interest rate) as a compensation for an investment.$ k) J2 |: J, y! X' W% ]1 Z  x; H
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,3 C5 q( k/ E4 H+ Q( ~- A5 F
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
. ?8 ]  r1 K! MAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
& _2 F: t- t2 b, M4 Xsimilar to bonds, CDs trading in the secondary market have different value at different times,
2 S2 u3 f& d9 A1 o  lnormally the value is calculated by adding it's principle and interest.
1 k3 Z# y" U( F( Q  Meg. the value of the mortgage+the interests to be recieved in the future. # F. F" p* }; k0 k
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., _1 c# ^" d8 A4 r
in stock market, it's the demand and supply pushing the price up/downwards.
; Y7 h  Z8 F* VFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,5 x7 e9 r# J. Z5 _+ X5 T% M  ]3 {
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
( B" A: W4 c! a! l  p7 CThe 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 Q" B: z$ U  i/ ^3 d7 ibut 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' i5 q5 w, L2 z& [# P' R: g
Refer to last example,
. C% j( q" q7 S* o4 Q' sthat means bank A have no money because we borrow 10 dollars from bank A $ a' g9 e* \- {9 j
Because bank A doesnt have enough cash on hand
" N2 L& p, |& t+ B4 ntherefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E! p  u3 E% t, c- D- S# J8 j0 e  \
so does it mean if E failed to pay D, - [" E6 w8 N/ e4 T' B1 @
all the B,C,D,E have to go bankrupt?- x! i  h) ]9 b) q0 L
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the multiplier just tell how much money created in a whole economy, " D3 k/ v6 D6 F# E. q6 J
in this case it doesnt really matter how much money is created,
* n2 K) j; `; X- y7 r) ]it's the problem of the debt itself.
. i, H% z" ~1 d4 K( hthe 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- C7 t+ W' W: U8 M; B, C* ^+ r/ o
小弟一直都唔明...
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. L. |2 H1 N/ a) |( m& C全世界都蝕錢,咁邊個賺緊錢呢?
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! e2 X: u  A* H9 b無可能淨係有人蝕錢無人賺架嘛...
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2 k+ o; q3 _: ]' ]) Y. B4 u2 b敬請各師兄解答( [/ B$ W# H& d) i, @* i8 X3 E. h

( n9 C& c5 b! w$ r( n# ^) w/ t: v; nThanks
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那些根本係 紙上財富  
+ t, C* K) N* E) I  B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
  g8 N1 W) p6 `- P3 e0 `* F4 f. p5 e當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
  I: w5 w$ M1 g1 s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
0 w* i1 W  |' Q$ y. [( ~個件物價係市場好既時候升, 例如15%先算,變左12蚊啦2 j: z2 c) \. y
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
' j) @: [: I6 k; K4 v3 O- u) j計番回報率就已經係50%,所以可以好好賺
! t. W0 q% x7 ~# [! S( D! T6 Q前提係銀行之間要互相信任先可以咁樣借法, x2 x5 U- z- v( I5 G
同埋個市場既前境要係好先得
% M) _, \' N, B/ V但當經濟一差,公司估值趺了,物價不升反趺( K- Y2 m" H. }8 J  \
例如剛才說10蚊的, 趺到得番9蚊, 3 Y- E' x1 `/ L0 ~5 f
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%1 R8 B6 Q" F3 E! p. ~4 i8 i
所以你就會覺得D錢好似蒸發哂咁! `3 w+ t. Z4 ~
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你都可以當標野咁諗, 個樣野多人可以狂升值, ( f( B1 u, u  P
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,
0 _! O1 c: b- o& }. i# f! ~淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, - D0 r# q* r& h3 e
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4 M& l% p8 r. o7 T/ 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.gif6 o5 F4 h, P9 Q
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
+ S2 c& K3 c; d# z( h$ d0 R! J淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ; N0 x3 W0 n8 T
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2 \% l0 p1 f) i$ m/ }
咁你話d錢蒸發左去邊? ...
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正係咁樣
5 G, O. d, O( 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# \( Z: T! _3 M
分分鐘佢地唔使還錢
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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,$ i* `- v4 {2 a4 D6 @- d" _! W
連國家都係問人借, 不停發債券, 印鈔票
1 X3 ?5 ]* z/ B  l, _: O一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
' |6 E! Y" s; \* ?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
8 i6 F$ m. O; b* z8 g  E# o咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
) I5 ]8 R1 a6 B" T因為以前未生產, 先消費
- y1 j6 Z$ Y" y4 @- Q( ]1 d而家就要多生產, 少消費
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