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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 N3 _. h/ J7 k  ?Why bank will sell 借據給第三者???
+ ?% c( m/ F) e- g" z! J% X/ s6 O8 KI was so confused.....
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6 h! N  ~6 M/ _' {1 A& s2 ?講到尾都係賺錢
2 m; h# r( ]4 I' a! T# Eso銀行可以不斷放款% X$ ^, f0 b( B7 h
美國的房貸問題散佈到全世界( ]; \; S+ \& o$ F) T

" w+ w1 R: T2 u, A& Wmortgage loan
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>RMBS(Residential Mortgage Backed Securities)" [* v. ]; {( s7 ^5 V/ s
>arranger" R. C6 m2 \+ B, F" ~- N
>CDO(Collateralized Debt Obligation)
( y& d/ ?5 s, M: }! D9 z( M* i, T最後去到投資者
i thought it is the reason of rate of return.# ~& }, t* n8 U
CDs could have different ratings, AAA -> F,2 a; a, H+ c& {2 y1 q
more risky ones would have higher premium (interest rate) as a compensation for an investment.
. a" Y9 d. `3 \4 |3 ~; h, xmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,* d# ]  t3 k3 p+ `7 Q
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
2 P( `: B# k1 f( R/ y6 E- ]Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.8 I7 C. y  Q5 b8 }) r9 B5 w
similar to bonds, CDs trading in the secondary market have different value at different times,
8 \* d8 B3 `7 q$ z! c3 `% b) gnormally the value is calculated by adding it's principle and interest.
. B* S) t- t0 ?9 z7 neg. the value of the mortgage+the interests to be recieved in the future.
7 b5 I  j9 M  u8 tbanks 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.' H6 r5 O5 B% h* g. P6 N0 B* g; |# L. ?. e

/ Z- g  J4 B& P& Iim not quite sure if the multiplier effect does really matter in this case.+ k$ i, n" R7 O' s( B
in stock market, it's the demand and supply pushing the price up/downwards.
& w3 T1 c5 U( [# Z" kFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
  O4 n0 ]9 k8 N8 uA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
/ [" U4 H* V; U* h' l' j" }) Z& Z4 VThe 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. * }  Q& g# [- ~) q! R
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
; z% {3 b3 b$ C- K% L! xRefer to last example,
% W: U* M1 v4 M! d0 _- @/ qthat means bank A have no money because we borrow 10 dollars from bank A
3 `; h1 F: u. V# NBecause bank A doesnt have enough cash on hand
& w6 m3 Z- |5 `$ q6 h6 K5 Ftherefore bank A need to be bankrrupt ??? Am I right ?? ...
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3 F4 n4 T- S) l$ \0 LA->B->C->D->E8 h5 l6 x1 _* E5 r) V, L2 L
so does it mean if E failed to pay D, * N. D. `! Z9 Z
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,
4 T8 ?) Y0 M* rin this case it doesnt really matter how much money is created,
* q: e8 k* k/ z$ C9 h! e( @it's the problem of the debt itself.
/ G7 ^: q% Z6 m, o* t# d$ ~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.gif9 L' E9 p, w, t6 U7 T
小弟一直都唔明...; F$ s! g1 i! C% @5 V9 n  ^8 n5 f5 D

! ?( B% f/ `. |" m& O7 a全世界都蝕錢,咁邊個賺緊錢呢?6 Y- w+ o8 Q+ d5 q

  H, D, h" K2 P5 C7 @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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7 @4 W: d0 `/ _% }$ ^7 ^" ^8 WThanks
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那些根本係 紙上財富  
. q8 U. v, o1 X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& Y# h# j% F# Y: c4 A

: }" f0 D) V$ Q8 p& r; `" y$ K/ hhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產' v. K* z3 Z6 H; M0 n/ S( q6 T
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
! v( I6 [2 L1 {5 l0 B) |0 R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 A4 ~( F- w2 H) o
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
' `( R  G% ]- J% ~5 @( E; n$ x8 S扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,9 e! f, {& `" f' G
計番回報率就已經係50%,所以可以好好賺! t3 h; o# F  `( T4 u3 t* A7 d0 F
前提係銀行之間要互相信任先可以咁樣借法
* T$ n; I- z2 u6 L0 P6 X$ M; \0 P同埋個市場既前境要係好先得/ f! t' P# ~- r6 R/ h
但當經濟一差,公司估值趺了,物價不升反趺
6 w" H4 q( K) C2 Z, J- n! ?例如剛才說10蚊的, 趺到得番9蚊, 7 u8 U% G, x1 ?" i9 J4 }. `3 k
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
1 B+ \; `) h9 k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, 9 K3 C1 E1 L; w" h5 W8 k$ [
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,
! Q- y. h4 P" ~+ Y. \淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ; e: W1 i6 J. y( F$ g; c7 p
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! w" U. M: }* G6 g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  f+ O$ m' A' w+ `
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
5 k; @# X5 l$ O7 U4 M" A; F( l4 _5 Y淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
" d7 I( H' ~# M; q' {$ ~- D2 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7 L) ~2 H9 M) T# u; R" ?
咁你話d錢蒸發左去邊? ...
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正係咁樣! l( }/ C8 {" P/ B
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
  ~+ B2 {9 m0 k1 ^( S, Q5 u分分鐘佢地唔使還錢  G: |- v- S0 q& U

3 }* R& X3 c2 w6 B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,2 `3 h9 F8 ~* q( l3 ?* J. J
連國家都係問人借, 不停發債券, 印鈔票
% ]9 |5 z( w5 L9 r8 c3 t3 K一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
! S- i+ f( l( [$ M- `' \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
8 j+ Y  `7 B# Q/ E2 i( M9 q7 `咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...$ \3 {: w. K2 B$ a  N9 y( u
因為以前未生產, 先消費. o) B4 [4 w: e
而家就要多生產, 少消費
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