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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! b( f+ h) L. n6 ^) ^# p, B
Why bank will sell 借據給第三者???
* Y* t/ K  t. QI was so confused.....
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講到尾都係賺錢
$ k5 z$ M- q/ h" X& Y, fso銀行可以不斷放款
$ T8 Z9 N3 w3 M4 j0 K2 R! a. q美國的房貸問題散佈到全世界
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mortgage loan ( \9 p2 _  f( w& g
>conduit  `9 I$ c9 s8 {2 b( P/ Q, `$ |# ^
>RMBS(Residential Mortgage Backed Securities)' e. f" y. T; y
>arranger) V0 A' D7 C4 T4 B( o
>CDO(Collateralized Debt Obligation)% s' o; Z( H; W4 k# V/ ]; ?  p
最後去到投資者
i thought it is the reason of rate of return.& d- d! Y, [% i; u5 W, z7 x
CDs could have different ratings, AAA -> F,
$ G' E5 X5 I& Q% ^8 H  s$ omore risky ones would have higher premium (interest rate) as a compensation for an investment./ {# Z  i! k1 |
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
1 ?0 C8 d. R0 G  e+ m2 Gin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.  I) n3 l  w* _& H5 H7 }
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.5 S0 B# J! U4 q( p+ m# N# ]8 W
similar to bonds, CDs trading in the secondary market have different value at different times,
+ J# X5 i) L" f) F. c! Ynormally the value is calculated by adding it's principle and interest.
- ~) k/ a2 z- [' Seg. the value of the mortgage+the interests to be recieved in the future.   G3 l' A& ?& l1 _% ?: o
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.! ?3 u3 i, V7 }* ^- u

- r5 e5 B  k9 }im not quite sure if the multiplier effect does really matter in this case.
5 P) V! Q1 H8 J# W7 Ain stock market, it's the demand and supply pushing the price up/downwards.
1 `9 @# M2 ]( J: |! F5 wFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,3 N2 a. e+ H# B4 F% m! K, w
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.8 v% S9 m1 }' L0 G) u* Z  A' k
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.
9 S. n, x# q6 m8 _9 Z5 D' Pbut 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
# X/ c+ @, E1 x% a4 iRefer to last example,
# w$ Y8 _0 u, T) ~4 m3 Uthat means bank A have no money because we borrow 10 dollars from bank A
0 q' d0 p8 `! h  I) I. FBecause bank A doesnt have enough cash on hand * |0 T' j2 A, G
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
# J5 e- t# m; w3 ]$ G6 T5 h% Dso does it mean if E failed to pay D, 8 I- Y$ A* X4 o4 n3 B' T6 n5 E
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,
/ ^# T" V' q* \7 Z  _) Xin this case it doesnt really matter how much money is created,
0 T/ Y7 e% M" L( M1 `it's the problem of the debt itself.8 [- x. H$ h! a3 I
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' @! E) F9 d7 c: \( ^
小弟一直都唔明...9 f: {6 s' b) C  L- G

/ r+ W& B( \5 D3 A全世界都蝕錢,咁邊個賺緊錢呢?
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3 J" R- @8 f5 x9 ]: R無可能淨係有人蝕錢無人賺架嘛.... v6 E4 V9 C0 `$ P5 S2 M

: j8 _7 b  v7 ^! @8 }敬請各師兄解答
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4 z8 O8 ^; M/ b/ l6 A8 lThanks
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那些根本係 紙上財富  
7 ~8 v$ |) N  Q4 J: p5 [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 graphic4 r; h+ e0 m& w6 U9 c' ?

% H( g4 W0 [; r6 v* n& I/ fhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
6 W$ d: v, b8 n7 |/ w7 C& g當經濟好,投資銀行相信會賺錢, 物價既估值相對較高) F- ?1 r" q% U7 g
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% [7 K! a2 I4 y; ^; a7 m* }' W
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
6 \+ D( L. M$ a- g* V扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,1 m6 o# K  v( w  g( p4 b
計番回報率就已經係50%,所以可以好好賺% `' d3 b# C+ o# x) q- V2 `! V
前提係銀行之間要互相信任先可以咁樣借法1 G& Z& \, F6 ?' j
同埋個市場既前境要係好先得  L8 M; B3 Z4 n6 @4 A/ D6 x7 T9 o$ F; `
但當經濟一差,公司估值趺了,物價不升反趺
" o* |) r+ s7 M, P) m4 s( s例如剛才說10蚊的, 趺到得番9蚊,
" t; C  J9 W0 k  q咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
' T/ r* v/ f* H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, + O! s) L7 ]" S  `4 T
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, 6 |7 ?7 I5 v; v* o/ x( g) p6 R
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
4 r! J4 Z0 T  s4 \7 D. 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  p3 f4 O" G6 q
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
, J8 p0 R3 c; [& p+ N, w唔係d錢蒸發, 而係比美國佬洗晒未來錢, ( U! ~: w4 y# B  `0 T% ~
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
! n% y  e6 F7 x+ w' Z+ 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
0 a9 [4 K; w  c咁你話d錢蒸發左去邊? ...
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正係咁樣
2 D' B( h$ e: c: R- S+ i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
: S2 W* M8 {4 z* l+ u分分鐘佢地唔使還錢( y. s* n/ ?3 |5 N

" q" c" C- T0 F8 z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,0 y7 v* z/ x& D: {+ a+ w$ v9 f, J& G
連國家都係問人借, 不停發債券, 印鈔票
6 w2 e8 ?4 ?  |( m一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
' h& N9 h  O: l2 p7 `- `% i5 v. x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.gif8 G- u+ t; P1 E
咁而家"爆哂煲"算唔算先至係變番"正常"???
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; ]% K6 b7 b0 m* l" y5 F* ^其實係...
  C! v; }8 p$ u4 z因為以前未生產, 先消費
6 U; U, y- S" I, T而家就要多生產, 少消費
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