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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
1 `. E2 V" Q! M$ P/ M( gWhy bank will sell 借據給第三者???
6 T2 d# h! S9 o" P. E! s" V! R. xI was so confused.....
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講到尾都係賺錢! F' h; V  ^( K7 {7 L& \  z$ J
so銀行可以不斷放款  {' E3 k( |; ]/ R; F: o3 y6 k& q
美國的房貸問題散佈到全世界
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* w  y. p  v" R, V" i% [mortgage loan - l6 t8 O: P* P5 ~' {; N
>conduit. Z3 o) f/ d; j1 j* |: _3 ]
>RMBS(Residential Mortgage Backed Securities)9 z$ Z" R& c& i. ?- u* t9 E
>arranger" t# |) q4 M+ M1 l. ^
>CDO(Collateralized Debt Obligation)
5 \% F4 f( S9 i$ b最後去到投資者
i thought it is the reason of rate of return.. G+ c/ d8 ?" G3 b
CDs could have different ratings, AAA -> F,' o/ i$ T* h' c3 r, c+ }
more risky ones would have higher premium (interest rate) as a compensation for an investment.% _+ o* D; f6 m; C3 J* _2 {" F
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
$ S: @4 _- \6 _' o% Ain other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
$ O! `. F: l  p+ d. FAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.& S  ?# G7 S! i! N# g
similar to bonds, CDs trading in the secondary market have different value at different times,
) i: R" p% A" a; ]  f2 A/ O& |4 Tnormally the value is calculated by adding it's principle and interest.
  R" i6 X# ~: y, V* Eeg. the value of the mortgage+the interests to be recieved in the future.
% E1 _8 m, Q* ^7 }8 X, V( Kbanks 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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3 V% }! r, Q- r. n; {im not quite sure if the multiplier effect does really matter in this case.
! S+ n+ L- I, iin stock market, it's the demand and supply pushing the price up/downwards.4 F& |; s+ [; z! i% i- T* R& l
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
: t! I  y' I# s% _A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.4 h- O4 E2 F1 e8 D
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. $ w4 I4 |$ F" K% ]& X" \! t
but the value of their assets did really drop significantly.) [; G  {4 a; i5 k7 A1 e

  Y+ [/ K2 J3 q7 U* U( t. e[ 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
0 }2 D$ H+ Y+ @Refer to last example,
5 b# g+ C7 \( o; |; D+ Bthat means bank A have no money because we borrow 10 dollars from bank A * j* k& p* o* x% p
Because bank A doesnt have enough cash on hand ' x! x( G  ?9 j/ l( ]* D  h
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
$ P" G+ X- U/ M' G* ~6 Cso does it mean if E failed to pay D,
" j- G  H; y; g% x: K- [all the B,C,D,E have to go bankrupt?  G: V3 n: ^+ K% F; u9 f

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; \4 o, w8 X2 c8 |  othe multiplier just tell how much money created in a whole economy, . J0 ~: d+ G0 Q1 Q
in this case it doesnt really matter how much money is created, 8 y2 U% L$ m9 J4 z0 D; [
it's the problem of the debt itself.. _( [( p6 Y; }2 r  \
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; P, f1 Q" p3 F* R
小弟一直都唔明...
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. A9 H& w$ T# M全世界都蝕錢,咁邊個賺緊錢呢?
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5 D/ ?' F- B2 n無可能淨係有人蝕錢無人賺架嘛...5 T. H% n: m* ~, l8 N8 P
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敬請各師兄解答5 I( @, L8 a# z3 m
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Thanks
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那些根本係 紙上財富  
; @9 W5 c$ ]+ W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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' Y. P2 x8 {( Y) n+ n& @0 y: Nhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
4 B* s: B# k( v當經濟好,投資銀行相信會賺錢, 物價既估值相對較高. y1 u2 Q6 C6 q0 e% q+ [+ p) P! F
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* n1 u3 z) ^3 f- l
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦% F. F0 m+ L2 S( P) o3 ]! `6 C
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,3 ?$ S" g- r3 h# `3 F+ ?
計番回報率就已經係50%,所以可以好好賺& L8 S; k$ q% \7 \5 p" j
前提係銀行之間要互相信任先可以咁樣借法
& a) u$ m9 V; I+ v4 {8 X+ G' o; x同埋個市場既前境要係好先得# {4 u3 b" Z" n* |% n) l7 X
但當經濟一差,公司估值趺了,物價不升反趺1 ^1 b+ d' t7 c0 v5 p+ H& ^
例如剛才說10蚊的, 趺到得番9蚊,
/ W/ ?$ z5 t" P0 J# _咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
& m0 X; Q/ c  j9 B0 ^5 J6 D' f所以你就會覺得D錢好似蒸發哂咁* D# i3 L+ v1 F3 @$ d7 W* H, \9 E& D

3 J( O6 ]: F# v+ n1 R你都可以當標野咁諗, 個樣野多人可以狂升值,
& G9 @1 I9 _3 {$ Y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,
- I" p, X# L9 |* ^淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
5 M# l# X$ j$ W. N) v0 D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
. E6 a, E' N5 \( {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.gif7 L* q4 r& L9 k, U& o
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
5 T3 B- L6 ^- v$ s8 c- E/ h" C# C淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 4 _: T2 ^/ w$ d! T7 l" 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
( h; }( a2 m* E7 v& ~咁你話d錢蒸發左去邊? ...
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* W* @7 D  s& \  L5 z正係咁樣
' P8 d& d' `/ d7 |9 x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
+ H, ]$ N0 q. h; o分分鐘佢地唔使還錢# e* @- b+ Y! u: S3 J& ~9 R# q9 g

5 ?$ I2 [! f% n8 Z' ]2 S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,& w4 H+ |2 A/ L& n2 ~+ O4 q8 `6 H
連國家都係問人借, 不停發債券, 印鈔票$ {/ n3 C9 |0 }& l/ d) b
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
& X5 H0 `1 w, G9 Q" r7 y: X6 ~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) X0 L# @1 [/ N3 v8 Q
咁而家"爆哂煲"算唔算先至係變番"正常"???
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: t, \! S! G. Q0 e! x9 G* O其實係...
* ^7 f& g8 b; }因為以前未生產, 先消費
& S) G* e; P4 z8 g$ ^# V而家就要多生產, 少消費
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