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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) h+ F" f5 O& |' D' u
Why bank will sell 借據給第三者???" G$ w7 ?+ z6 V6 u
I was so confused.....
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講到尾都係賺錢, e4 Z) A7 @! w* V
so銀行可以不斷放款" L: t9 n6 R, ~7 p  g6 P
美國的房貸問題散佈到全世界
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mortgage loan
8 k7 w# m+ O$ X; V- B; V>conduit
7 j2 Z% N2 E1 [1 p7 r9 ]7 l- w/ W>RMBS(Residential Mortgage Backed Securities)
9 k- m5 f* k1 l0 T# Y: Z>arranger
6 h6 R- d. Z8 d& Z8 ?>CDO(Collateralized Debt Obligation)
! h6 m0 r5 Q; f) f最後去到投資者
i thought it is the reason of rate of return.1 R/ L; i" P1 ~/ C
CDs could have different ratings, AAA -> F,$ Q' Y, t* o  P4 N0 r/ Q
more risky ones would have higher premium (interest rate) as a compensation for an investment.) s) i4 D3 H# y. G9 g" C3 L
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
" Q1 b( I6 ^% b% Jin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.! J" ^% J. T4 c) W. [+ V2 T1 ~
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.# Z. k4 V* d1 v; X% W8 `
similar to bonds, CDs trading in the secondary market have different value at different times,! ^2 M2 Z9 _/ @) A7 G+ Z) X$ v
normally the value is calculated by adding it's principle and interest. ! u7 [8 o# M# g* q1 O
eg. the value of the mortgage+the interests to be recieved in the future. 0 ^, x1 c$ G7 }0 @4 E/ j
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.* R7 H+ J9 m  v0 \. q; |6 f& a
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im not quite sure if the multiplier effect does really matter in this case.
0 M& n1 Z! z; Sin stock market, it's the demand and supply pushing the price up/downwards.
2 {1 r( s# k+ @- k% W) Q2 q9 MFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,: C/ i% S8 K: r! }) u, p4 F
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction." I* l8 l2 S- T7 |4 y( p; r! S2 Z
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. 7 ~4 a& z2 E8 U$ H5 ~
but the value of their assets did really drop significantly.  n2 a* F# A. _9 Z' {

7 G6 q, i' c+ H% A! H  _6 o[ 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.gif5 v8 ^3 k) D4 y! }5 w3 y' L% a
Refer to last example,! ?' z( h3 Z# e8 s/ z
that means bank A have no money because we borrow 10 dollars from bank A 7 u" b% N/ Z  D& ~/ C
Because bank A doesnt have enough cash on hand 6 |  `/ U' t6 M
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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3 l& s, ]0 A( \. R& MA->B->C->D->E
- Z/ e% ?2 j+ U1 R! pso does it mean if E failed to pay D,
$ F$ r& O1 w, a2 h* {/ S1 Hall the B,C,D,E have to go bankrupt?7 {- x" L3 y$ _: f" I$ ~1 L

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the multiplier just tell how much money created in a whole economy, 5 Z' x4 G- L0 i+ g, H' R5 j9 V
in this case it doesnt really matter how much money is created, $ ~5 u) L2 E. u, z
it's the problem of the debt itself.* ~8 E! j2 C6 X- X
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
9 x/ R0 v: o* ]* b9 t. d小弟一直都唔明...! u* m0 m7 M8 N6 M& z) @
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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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敬請各師兄解答
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! S) w2 i' N$ t- A; T- z! y. a; hThanks
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那些根本係 紙上財富  
+ B+ S5 y9 v4 x2 O6 s8 ^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; K$ c8 i% t7 V2 E4 m- v7 h
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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
5 i# l0 ]- {# h$ G當經濟好,投資銀行相信會賺錢, 物價既估值相對較高( i" @5 L5 J4 z, n  q
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 F% t1 I: r1 p
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦  V8 ?* O8 f" X/ {5 K( L! |
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,+ ?2 {: k4 _# ~' m  ~- C% E
計番回報率就已經係50%,所以可以好好賺
- C0 V: U; p' W4 O! _- C前提係銀行之間要互相信任先可以咁樣借法2 {9 q' @( y( S0 d
同埋個市場既前境要係好先得" V4 y; N0 E, f$ J, y' {
但當經濟一差,公司估值趺了,物價不升反趺
/ e( P8 _2 |; q例如剛才說10蚊的, 趺到得番9蚊,
/ {" y* t9 z4 R4 v& `6 b% T# O咁投資銀行一下子就要還11蚊, 一來一回變左虧200%8 A' w& L  K1 b  g3 z- ]- K2 [
所以你就會覺得D錢好似蒸發哂咁! c) r& d# e# o% C4 V3 @! `1 M! K) @( t
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你都可以當標野咁諗, 個樣野多人可以狂升值, ; i5 c) O0 Z6 @. y$ B6 i" W
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,
, g. l! y& @" e% T! @; E) y淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
2 u8 V  ^! d+ B& A2 W- V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! {& J# O) K) b# ~/ v, `
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/ M$ ]1 j# \4 ]5 V) u" I
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
* h+ \8 W( |9 }# L& E" {# \5 j8 q淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
6 V, Y- q! I2 O/ P& M! ?' 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
9 a+ z" t, m' E1 w咁你話d錢蒸發左去邊? ...
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正係咁樣
  Z4 Q4 d3 g+ j9 g' \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- ?! o# R0 x+ r- R
分分鐘佢地唔使還錢+ Z: K9 I' A& _$ V7 {& u4 y8 a1 A
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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,8 S: ], a5 m4 l% K: r) j
連國家都係問人借, 不停發債券, 印鈔票# s, Q; ~9 [3 W: d& X9 U
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
$ n; A5 K& N$ W- U6 i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
1 m% N+ X! \! G( i- u, ]$ |$ B咁而家"爆哂煲"算唔算先至係變番"正常"???
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$ Z0 H- u' P: M* L8 m: n其實係...
9 M+ G' W  f) O* i/ U7 p7 N因為以前未生產, 先消費  e" I1 O; B8 P
而家就要多生產, 少消費
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