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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.gif4 Y  |! T' S  ?- @/ y2 |  k
Why bank will sell 借據給第三者???8 R2 v& z7 Y. Z3 L
I was so confused.....
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講到尾都係賺錢
7 W( D9 [% V: U9 Gso銀行可以不斷放款
$ s. ?7 {* F0 @- U0 O美國的房貸問題散佈到全世界
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% n; z# C3 T0 bmortgage loan ) {! y, c0 C$ [7 C
>conduit- R$ ~0 y3 ^3 K0 f$ ?
>RMBS(Residential Mortgage Backed Securities)
7 j; ^/ R* l) \5 m>arranger0 \/ N* S- l; \7 ~7 l
>CDO(Collateralized Debt Obligation)* w" E( }+ _9 F; b, K2 H4 V
最後去到投資者
i thought it is the reason of rate of return.
1 s% p1 u+ Y3 b  {6 {9 d- ICDs could have different ratings, AAA -> F,
/ v1 j8 v6 R  N% q. t' ]more risky ones would have higher premium (interest rate) as a compensation for an investment.6 m2 A1 ?6 g  ~* w4 P
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,+ S4 M& I! y+ q, W. E' ^* g8 t
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.9 L5 `) o$ J5 a8 H
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency., f* V4 h% m0 b4 `' C0 Q& ?
similar to bonds, CDs trading in the secondary market have different value at different times,, x& n, x0 I  |- {; H6 \
normally the value is calculated by adding it's principle and interest.
3 C) m8 ?) P; T) _3 E6 e  R% Ueg. the value of the mortgage+the interests to be recieved in the future.
, h8 H0 o8 V$ q7 b9 S4 j" s( lbanks 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.4 c5 V6 K1 B0 W' L

- X9 ~& ^  y, w1 ^! fim not quite sure if the multiplier effect does really matter in this case.% B/ a8 e$ `! ]4 f/ F
in stock market, it's the demand and supply pushing the price up/downwards.
6 g: ]1 e1 L3 S9 r  gFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,) d" \5 O( K/ F) m
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.8 D5 R6 G) S" z2 n
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. " M) u+ P8 A3 g2 x' A" @
but the value of their assets did really drop significantly.* u8 E  B! Q! b& o6 h

: A! T- Z/ F2 E8 R% 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
9 l8 j8 T5 Y+ |) m! j4 A5 {Refer to last example,
7 N9 r5 O: K1 I- x- e. }that means bank A have no money because we borrow 10 dollars from bank A " z2 z& m1 t+ A* t- A3 Y0 s
Because bank A doesnt have enough cash on hand * F8 c7 s% F2 m( l- T. [+ o/ W* U3 x
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E6 d7 h# t' D  B
so does it mean if E failed to pay D,
4 F/ E1 g2 Z' ]8 ?all the B,C,D,E have to go bankrupt?
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7 m6 z  s4 [& C9 N( j& tthe multiplier just tell how much money created in a whole economy,
, s9 T6 }& u: X# }& Sin this case it doesnt really matter how much money is created, - F% W9 |; u  B: b4 ]
it's the problem of the debt itself.
7 `3 p5 X! z( n- h0 Ithe 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
8 e8 M* N+ s, E小弟一直都唔明...3 {1 h& m' Q+ B# l  R
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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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3 x2 l7 |' o9 s# e% F& V, {敬請各師兄解答- o7 L1 \4 P5 n1 n6 I
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Thanks
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那些根本係 紙上財富  
3 I$ F8 E' R! L+ w" i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
' M/ \3 [; ?5 n' ^9 x當經濟好,投資銀行相信會賺錢, 物價既估值相對較高' J7 ~$ _& K: n& i* m% d% L- T
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
: r; R  D. n$ q0 L' o, p個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
! a& z( }# V/ G1 \( x扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
$ r4 J1 c% f8 G0 ?) Q計番回報率就已經係50%,所以可以好好賺
5 x* N$ _" A9 q3 F9 {! K9 h前提係銀行之間要互相信任先可以咁樣借法
4 b0 V5 ?8 u/ y5 v同埋個市場既前境要係好先得
" @2 G: G2 ~' n" A& R但當經濟一差,公司估值趺了,物價不升反趺4 Y# a6 O4 J1 y( w9 N8 K
例如剛才說10蚊的, 趺到得番9蚊,
3 k# C; M& M6 n: A咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
2 d) W( U: K/ Y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,
2 h0 L8 P, Q( i( L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,
9 n& I- y  g% e  v% F淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, , C1 O9 Z6 B/ ~9 K! h
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 n3 Z& y2 K, Y/ m$ L9 p
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- q. _0 M. N+ Z: g# Q
唔係d錢蒸發, 而係比美國佬洗晒未來錢, 0 S; G" j) L6 e6 z3 ]
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, * S; S( P' I1 K$ \8 K1 s, l, q
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
# H6 {* l) T4 p+ c咁你話d錢蒸發左去邊? ...
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正係咁樣
+ K" H# |* x  r) ?" H# o: o" _. |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: V. O  V  K. W
分分鐘佢地唔使還錢3 l6 T1 w, e- P$ V% P. T7 e
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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,* m1 e. m+ N; i; M) O* q. T0 y
連國家都係問人借, 不停發債券, 印鈔票
# N# N! D( ^% J& S# T. ~  h& W- I9 E0 ]一個國家好少出口, 而又大量入口 ,反映到佢唔多生產2 n' Q6 \6 D; c4 c" o5 K* c  _: c# n
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
, r4 U& [* _* j5 h- a$ m9 c咁而家"爆哂煲"算唔算先至係變番"正常"???
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( Z- X6 j- D; _- B8 P其實係...
9 f0 r6 b# V6 @0 k( k6 G因為以前未生產, 先消費
  T* N+ W7 w% H) G, Q而家就要多生產, 少消費
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