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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
9 g# @7 F0 Y/ i2 r1 n0 ~7 cWhy bank will sell 借據給第三者???. G) {$ Z6 C) l( Z: {. T
I was so confused.....
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講到尾都係賺錢+ N7 V) I) N+ Z6 r7 d
so銀行可以不斷放款
$ Z* c5 g6 H, L6 q9 w; M美國的房貸問題散佈到全世界* O" e$ c% `1 E  E' k) u# W

& Y1 o, z' `) X2 x8 u; T, _/ F' amortgage loan
3 j9 ]3 [% V% u- U>conduit( d! [+ @' [$ C) m) Q; p
>RMBS(Residential Mortgage Backed Securities)5 U) I7 `, G) T: q! X
>arranger* i9 s, K; m" n6 T
>CDO(Collateralized Debt Obligation)
6 B6 ^  O7 s6 d' K) A最後去到投資者
i thought it is the reason of rate of return.
: O7 V) Q6 s+ T: f1 vCDs could have different ratings, AAA -> F,: s) U6 Y! U' Z7 u4 z$ e2 E
more risky ones would have higher premium (interest rate) as a compensation for an investment.
( d) f' K* p% K- ?; n9 R! A" Gmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
& H2 X% E6 K. Fin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
, o$ H5 `  S4 oAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.  b- ^/ n7 c+ j; ^
similar to bonds, CDs trading in the secondary market have different value at different times,
4 p9 D7 J- }* \7 Fnormally the value is calculated by adding it's principle and interest. " _+ b% U- I5 _" Y, o6 e# |/ u
eg. the value of the mortgage+the interests to be recieved in the future. 8 `( n( h0 x4 V5 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.; Z, v* j" L9 z: c; o/ [& F, M

4 b, a7 Y. n- x  z! C/ q, lim not quite sure if the multiplier effect does really matter in this case.3 A/ C5 Q0 f+ [1 [
in stock market, it's the demand and supply pushing the price up/downwards.4 K4 Q; i6 N" b0 l' K- c
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
0 S( e( m& c  A' |: H) W& oA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction./ u, x, u0 @7 P# B
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. ( o) z5 R9 @: R1 c
but the value of their assets did really drop significantly.# u6 N4 s; }3 o5 ]* t. h4 w
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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
+ \2 v9 w1 Q4 ^5 ]- eRefer to last example,3 Y" t7 v' T) \% ~; f; N4 Z7 e
that means bank A have no money because we borrow 10 dollars from bank A ) K1 X# o, O/ H/ h5 L* R
Because bank A doesnt have enough cash on hand : k: ]" _! y; g' [% F8 I
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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" D: c# G* f* Y! @/ AA->B->C->D->E
6 R: H' R: L9 U& w6 Fso does it mean if E failed to pay D,
% s% z4 {) o' s! Fall 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,
5 L+ R8 V, P/ m% `1 w9 \' din this case it doesnt really matter how much money is created,
% z0 _- g! B9 t. M/ z0 D/ Rit's the problem of the debt itself.
9 G, s$ e$ ]7 s* l) {$ Tthe 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) g1 O/ e! w7 j7 F2 n
小弟一直都唔明...' B) K6 A) g% l( ]
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全世界都蝕錢,咁邊個賺緊錢呢?. C6 }( N' X4 ^1 N4 @

7 B+ F) u& J6 t$ F4 c無可能淨係有人蝕錢無人賺架嘛...' A- K8 R  S/ d5 [) X+ e
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敬請各師兄解答
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Thanks
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那些根本係 紙上財富  
9 Q8 @) W% \0 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# P" g: ?4 x" \- l( G

3 M1 W( B7 a, t" C- nhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
% ^& m! q- `* V4 ~當經濟好,投資銀行相信會賺錢, 物價既估值相對較高. d! @( h; a0 c0 x* E2 J* Y# z" d$ n
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
5 J) x' i8 p; d/ s個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
; Z/ Q% `- N# F扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
6 N! z1 |6 n  \, C- ?& Q" K計番回報率就已經係50%,所以可以好好賺7 \: z- D% y1 |% m. |4 R
前提係銀行之間要互相信任先可以咁樣借法6 M% o( g7 Z  |; f
同埋個市場既前境要係好先得
7 z8 |; g/ o7 Z2 B& H+ `但當經濟一差,公司估值趺了,物價不升反趺
9 e* W' K, w  F6 a) d- [) z& X# E+ I2 T例如剛才說10蚊的, 趺到得番9蚊,
# x* G1 a: q& I! |0 s/ |咁投資銀行一下子就要還11蚊, 一來一回變左虧200%8 v; j3 ~& ~2 }7 p4 e4 E; y1 e: L
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,
! ^" D: P/ F" f+ @/ @# E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, & a3 i! d, B) ?0 S) f- S# s
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
; B2 F( w' f) W- n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5 q$ ^  r* }' d) n6 O; h4 n1 Y
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
! T2 {' O/ D% ?; B7 J8 S唔係d錢蒸發, 而係比美國佬洗晒未來錢, $ \7 G1 `" T- K- h: B/ F
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, - u( `# [0 N( c4 i. A4 D5 d7 f$ [
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
, x: \' w0 f5 I' ^咁你話d錢蒸發左去邊? ...
5 R$ I/ O+ y. G7 [

& E  U7 y2 e0 ^- H/ H, V正係咁樣
# P; L/ V, A; s* z- ~0 z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- [% z4 Q* C
分分鐘佢地唔使還錢
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% K/ |- B0 R' i: U5 @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,
/ e' h+ C" ~( x, G連國家都係問人借, 不停發債券, 印鈔票+ v% j" L. _: j( d8 l
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
+ c$ f5 P" J; e; z. _7 S0 m  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/ P+ C' k" F! c. J
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
: \3 Z2 h& A8 w7 n# n因為以前未生產, 先消費
  s& B& K5 t. ], y6 b而家就要多生產, 少消費
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