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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
3 [! @0 S$ w7 U# ^/ JWhy bank will sell 借據給第三者???
' ^( {3 Y( k; A! d$ y, E  PI was so confused.....
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講到尾都係賺錢
" S* ]. d5 o1 P) W3 Hso銀行可以不斷放款
3 _- @0 O! b; y" L5 p美國的房貸問題散佈到全世界9 _3 k- u# I7 w* f( Z9 X- u
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mortgage loan 2 f7 o+ a' w/ \- \$ i
>conduit* y* C! A3 r  F' P% A" R
>RMBS(Residential Mortgage Backed Securities); L* Q# Z8 R$ ]& D* P1 g+ H
>arranger: S% Q: _3 `- B1 P/ w( a3 A% ~
>CDO(Collateralized Debt Obligation)% z. M. I6 c$ q
最後去到投資者
i thought it is the reason of rate of return.- |; k/ ^9 o% e, t
CDs could have different ratings, AAA -> F,) y! r* i/ ?8 M, c. w+ O
more risky ones would have higher premium (interest rate) as a compensation for an investment.
3 {/ a" b2 P3 s" X0 S# |( D$ fmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
7 Y, A4 E+ z8 _in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
5 f1 ]. b/ f! yAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.3 r8 P" {6 v& ]3 p2 C: N1 F+ G
similar to bonds, CDs trading in the secondary market have different value at different times,: `2 U$ I1 |$ c2 ?) n
normally the value is calculated by adding it's principle and interest.
  i' q. q' B  e: H) B. y6 Meg. the value of the mortgage+the interests to be recieved in the future. 0 s) W2 J  f2 Q0 y8 g4 I2 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.) R$ F6 w9 ~" S; i" j! z% x' G
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im not quite sure if the multiplier effect does really matter in this case.) X5 v4 u  c3 m/ m( z6 m( c& d1 [  Z
in stock market, it's the demand and supply pushing the price up/downwards.
; r' n- @& J/ R& `- j* q9 oFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,6 j2 \) E+ ~, e% O
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
8 I/ {' q" v$ _; {& qThe 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" f# Z5 h' M. \" n
but 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% f' U4 L+ a4 O" s
Refer to last example,! z: Z9 W, k5 e9 e$ w, U% W
that means bank A have no money because we borrow 10 dollars from bank A 5 x0 T" o6 k9 p) a7 L. k% m
Because bank A doesnt have enough cash on hand ' z& {9 D' [0 h! K
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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  S; }4 j! b. R* t& NA->B->C->D->E
3 e6 R/ T# U6 H( i: Eso does it mean if E failed to pay D,
4 r% M4 }+ o4 `2 F1 Xall the B,C,D,E have to go bankrupt?
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* p  j4 s- t6 x9 ^the multiplier just tell how much money created in a whole economy,
8 X9 y4 O! {5 [' F' Qin this case it doesnt really matter how much money is created,
; d) y9 o' x- ~. g3 rit's the problem of the debt itself.' ^" i! K" n& }; \$ ~8 Q' K
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
! K' K7 d: C8 ~- c( ~6 A小弟一直都唔明...
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8 E9 g0 A1 J  a/ f- B, h全世界都蝕錢,咁邊個賺緊錢呢?' J7 A+ a6 q' A) e8 g( L( ~% R
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無可能淨係有人蝕錢無人賺架嘛...
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3 z* i% K2 X% m7 r% _5 S敬請各師兄解答' ?9 v( z3 \; `1 A- f* U& o  }* G; Q
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Thanks
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那些根本係 紙上財富  
1 P( l" y7 a7 t8 L6 v  j) 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 graphic9 @% p" A8 P' j$ N  o% D
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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
" s1 }# w& H3 J7 r0 R1 e1 w$ ]當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
6 S. k9 ^& \2 A1 J% T. J4 p8 X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
' ~1 @+ S3 O% s個件物價係市場好既時候升, 例如15%先算,變左12蚊啦  F- I0 S) N+ V
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,# g1 D- z8 M7 _5 B9 P
計番回報率就已經係50%,所以可以好好賺0 x& l3 ]1 L8 ]9 }+ _/ ]  e0 L
前提係銀行之間要互相信任先可以咁樣借法- L& h- {% t# A! t8 C% b7 Z0 I
同埋個市場既前境要係好先得
; }+ M; j+ c2 ?5 A+ B2 i但當經濟一差,公司估值趺了,物價不升反趺
0 T9 {" Q; g8 A5 G% c例如剛才說10蚊的, 趺到得番9蚊, / R1 ]0 N" d6 W8 u1 h7 w/ |
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%  U7 @/ n" c6 ]. A  R! G$ |
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,
3 K' v, g6 r" G7 G9 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,
, w7 Y2 W" b' Z' Y2 n9 T淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
5 L/ f0 q. x& \0 F. F8 `; J& [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
7 V# k/ x7 M, z/ R4 g* A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; C( b+ e$ S. Q
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
5 V6 O( [: U. c' K3 B, W淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ) Y& F9 e" J* x# ^9 C
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 F; Y0 t) q" |( `( t4 U$ w
咁你話d錢蒸發左去邊? ...
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正係咁樣0 h' h5 [# M9 p: U, y# M
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* U8 g1 s9 ~& c* N
分分鐘佢地唔使還錢% W6 F' J. m+ y- d7 z. K
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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,; M2 r5 o3 d! c/ C
連國家都係問人借, 不停發債券, 印鈔票
- q9 O- O$ w1 Y一個國家好少出口, 而又大量入口 ,反映到佢唔多生產4 }) S1 D) _2 I1 G7 R4 ~+ Z
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
0 R, A: v9 l+ r* ]/ Q咁而家"爆哂煲"算唔算先至係變番"正常"???
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  c  M( Q2 H0 K) U8 z! m/ d& a/ X4 D其實係...2 n# v. M: W7 u; Z5 p6 j8 g
因為以前未生產, 先消費
3 z. A! f# u% B: |! M而家就要多生產, 少消費
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