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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
! K8 s5 u" h( x" J) J& v) l7 HWhy bank will sell 借據給第三者???
  G8 B4 p6 ]! z" j" [& [! v& MI was so confused.....
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6 I' f; s% O: L7 P3 b% u9 D講到尾都係賺錢
: _, B0 x6 l  ^4 H* ~& e4 Qso銀行可以不斷放款& b8 V+ q  e2 A- h8 b
美國的房貸問題散佈到全世界
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, f& h+ O- V/ e: h  q; @mortgage loan
9 k$ X8 Z4 [% z1 S>conduit% L1 }7 |1 O+ M$ @
>RMBS(Residential Mortgage Backed Securities)
; y: V0 ~  \& J0 W' W; y>arranger. b) N5 ?. f& j- J' K
>CDO(Collateralized Debt Obligation)
& l3 }$ m' s2 C: b* y" U% l+ V/ [2 V; I最後去到投資者
i thought it is the reason of rate of return.6 Z6 S) M3 j6 ]
CDs could have different ratings, AAA -> F,
" q& D# w/ @+ k3 E* ]" b' ?more risky ones would have higher premium (interest rate) as a compensation for an investment.  x" y$ ]' c7 D, ^7 e( w
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
) W/ b9 P; h3 R/ z) r+ F' @in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
/ i* ]4 J" D' G) jAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
. R9 H, ^3 _4 J4 [  ]6 ?similar to bonds, CDs trading in the secondary market have different value at different times,
' d8 N8 Q/ V$ ?6 G, \  gnormally the value is calculated by adding it's principle and interest. 1 o1 G% }& L; C! D, A$ F
eg. the value of the mortgage+the interests to be recieved in the future.   L: u0 W2 A+ o5 |9 ?
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.9 i8 t$ v5 |% w" s) j5 S  {

$ n: n+ _( `5 g! oim not quite sure if the multiplier effect does really matter in this case.
1 }2 _. e( z; G2 ^in stock market, it's the demand and supply pushing the price up/downwards.% v3 Z8 j5 L4 r0 b/ G0 Z5 x7 S7 o
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
& g8 ^. q" w6 C' UA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
/ U0 x9 V  Z! Q5 l( ]9 fThe 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. 2 c0 w1 J8 h7 J' t
but the value of their assets did really drop significantly.0 ~, c) H( x7 X3 t  \7 y5 ]

5 J7 k9 Q: G/ T0 d& p[ 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
* r. s6 X+ q% Y! ?7 l7 |: lRefer to last example,5 m; `; k% J3 z* n* m/ g6 e3 o
that means bank A have no money because we borrow 10 dollars from bank A 2 f2 ^, o3 E1 T0 h. m7 ?, f' I
Because bank A doesnt have enough cash on hand & C, X; n, k9 n% B( ~) m
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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  L6 g" f+ g, K0 T) J  Q$ U2 AA->B->C->D->E
$ O6 Z9 `8 N; C+ v0 }so does it mean if E failed to pay D,
3 I# E+ g1 m, e: rall the B,C,D,E have to go bankrupt?
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8 h, Z& _( T& x' v, u$ M$ b7 pthe multiplier just tell how much money created in a whole economy,
# e9 I4 h( d2 S- _* Uin this case it doesnt really matter how much money is created,
& p7 ^0 J  X: J) r  }it's the problem of the debt itself.; r& K4 b' b$ k, c1 K
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
$ B- o3 X1 E; l! k( w6 w% j! i  M小弟一直都唔明...$ a0 d0 b- k! ?) M6 n' _

! O% l6 @4 u& A全世界都蝕錢,咁邊個賺緊錢呢?: T: {* q8 ]3 Q2 t$ ]

7 u0 r/ Z" T% c8 h無可能淨係有人蝕錢無人賺架嘛...4 b$ G* R' E& }. }
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敬請各師兄解答3 t5 U8 W2 [* {9 q3 H5 V+ ~
& \$ c, d( E8 t$ y
Thanks
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那些根本係 紙上財富  
; R2 d. p% q% |( U# J4 A9 c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# V4 y2 [1 o# y( w
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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) `4 m/ g0 k4 V' `  _* O1 O! {* U
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
1 m8 i  z: h0 ~+ w9 v8 _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4 m* i. P, S" j: ~( {
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
. B$ P# J9 l" Y! j& u扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
) U) v1 G+ G1 [計番回報率就已經係50%,所以可以好好賺
3 D" V8 t0 p1 }. Y前提係銀行之間要互相信任先可以咁樣借法+ C" n  m4 v4 u% w# r) J
同埋個市場既前境要係好先得$ k, S0 W% s% _" |: H; A. H" l
但當經濟一差,公司估值趺了,物價不升反趺6 K$ c0 M0 [; x7 Z2 l8 M6 r7 t
例如剛才說10蚊的, 趺到得番9蚊, 8 D0 _* s/ S! v( V) o& M
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
7 \6 x* f4 Y8 M. u/ l" 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,
$ Z' [! s9 h5 p0 q' d& S% d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, $ o) |, T8 a  O8 M; N1 v) z
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
% y6 S' ]- x* ]! 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0 C0 v+ H" {: p2 `4 T: R/ W$ ^( D
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  r& Q- B: g2 A: s( i/ z; i+ M' `
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
. w6 d0 P* h" d) v* A* J淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 5 n2 Q: l: @% ^% u1 A% Y. k
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2 d- M- [2 o2 t
咁你話d錢蒸發左去邊? ...
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0 y) t# o9 T0 g( n) ]) s+ d1 P; y正係咁樣" `3 F( l( M5 Z. C8 E
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; z! O9 P, `9 \7 g; i: C
分分鐘佢地唔使還錢
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7 r0 R6 l! D+ W  M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,
# i0 ^5 @% E0 s% t; y* Z9 k+ ?連國家都係問人借, 不停發債券, 印鈔票
: {- B9 ]- N5 }4 m( K  D, C5 b$ U一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
0 _4 Y2 `4 q, [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  k+ a2 X' D( m
咁而家"爆哂煲"算唔算先至係變番"正常"???
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& o) P: n% c" i- Q" ]  ~其實係...
- s( d% y; w# y# O5 o因為以前未生產, 先消費
! O: u, O' `5 P而家就要多生產, 少消費
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