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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* z& l5 a, _/ [/ L1 S$ t
Why bank will sell 借據給第三者???
8 r; Z3 W8 ^7 F; C! \I was so confused.....
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) A( R5 b# ]' L講到尾都係賺錢
4 s7 [- {# j' mso銀行可以不斷放款# ]0 S5 X( W" |: B+ o, f* j
美國的房貸問題散佈到全世界
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mortgage loan ) E0 w  q5 u# g) r/ g2 H) K
>conduit
5 g) t( ]  X9 G: d0 t' C! _1 }>RMBS(Residential Mortgage Backed Securities)/ [+ ]) [$ u/ V) z& s# A" i4 ?
>arranger
( z% q: h6 l/ e6 l( K>CDO(Collateralized Debt Obligation); N. r, ?$ ]# ?; {, n1 c) a2 w% B
最後去到投資者
i thought it is the reason of rate of return.' j" I9 b  h! w9 s
CDs could have different ratings, AAA -> F,( |. N* [8 Q; w
more risky ones would have higher premium (interest rate) as a compensation for an investment.1 }, q- ^* |) l( {
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
1 R  D4 E' M2 J# u$ @" I6 Gin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.* r9 c1 u& L) {; H$ F# q
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
1 s  d; `& B8 ?similar to bonds, CDs trading in the secondary market have different value at different times,
1 r& r% p" q; G# Nnormally the value is calculated by adding it's principle and interest. 5 `  [! u  _! a
eg. the value of the mortgage+the interests to be recieved in the future. ! k0 w! r7 r9 ?" F
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., e- l5 @0 k, W8 ?  j+ v% F

: l0 j+ x& R8 ?6 z+ mim not quite sure if the multiplier effect does really matter in this case.
! v. E6 }3 F3 c! O  |  m. xin stock market, it's the demand and supply pushing the price up/downwards.# i/ J, p* w- C. N2 J. U) ]
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,6 ]4 j3 u0 w% X  t" T: Z* k
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
1 W$ n1 m7 d, M) {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. ' w! V4 |; s/ ]4 j5 L' g! V
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
7 O2 m6 p* x( B% ZRefer to last example,, R: L! g; M4 e2 P7 [
that means bank A have no money because we borrow 10 dollars from bank A 6 J! b! F9 R4 r. t8 b& ^
Because bank A doesnt have enough cash on hand
( o7 ^6 y$ P* A! l3 l+ r: I2 P* Otherefore bank A need to be bankrrupt ??? Am I right ?? ...
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9 G8 Y" v$ Y- U/ HA->B->C->D->E% ]5 i3 d6 o0 |3 Y/ i
so does it mean if E failed to pay D, - s1 O" P; T* ?  e5 i* e
all the B,C,D,E have to go bankrupt?
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) [- f( d. Z/ f8 s  a5 fthe multiplier just tell how much money created in a whole economy,
2 Q! t3 s7 Z* N8 x3 iin this case it doesnt really matter how much money is created,
9 [. t/ L# y- C( Zit's the problem of the debt itself.' E$ }/ }4 L* E2 G" J0 l
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& C% \5 B7 I' _6 x' E
小弟一直都唔明...
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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...& e! p7 Z5 D- s; t4 A" e' z
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敬請各師兄解答
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Thanks
+ N% P; V7 x4 E7 K( ~; y那些根本係 紙上財富  / T8 _9 h3 O8 u8 A7 H8 L
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 graphic6 }7 s, J0 u8 `. Y# ]& X+ N

8 r4 l  r/ q- P6 r# |$ i) Vhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產: e/ F/ @9 I. G' J8 A2 X; }
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高* k! g* [& @- _$ m( A! o9 |
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 k% J! ]: ?8 q/ L8 g個件物價係市場好既時候升, 例如15%先算,變左12蚊啦$ }- ^/ @8 L7 o4 B7 n
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
: r% b4 W: a$ T7 \8 z! J( l計番回報率就已經係50%,所以可以好好賺
' L4 c2 e, P1 L% }, s前提係銀行之間要互相信任先可以咁樣借法
! `5 r6 P: Z+ M: ]' U) I6 n- B同埋個市場既前境要係好先得
7 Y) C! Q! `2 n! ~9 c/ H但當經濟一差,公司估值趺了,物價不升反趺# D' \. \9 w+ E6 T  i$ C5 _' b
例如剛才說10蚊的, 趺到得番9蚊,
! N) }& w( F7 k' P$ P咁投資銀行一下子就要還11蚊, 一來一回變左虧200%4 H9 I9 T) x4 I
所以你就會覺得D錢好似蒸發哂咁
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7 [. F) r* |1 l; a$ P你都可以當標野咁諗, 個樣野多人可以狂升值, / N/ b* E7 u0 h) I. ]: ?
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,
& s6 `0 G: `) ?. b* d淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
9 t- k- f/ V3 \9 K  Y; }6 q% x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
* p7 a% x4 v  @2 e7 E# @+ 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
4 \3 p4 z1 e# P唔係d錢蒸發, 而係比美國佬洗晒未來錢, ( W* _% s5 O/ {: a9 a
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
1 q6 ^' w* \$ U. Q2 x3 b2 F4 W; 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0 G" T4 j! Q& [4 Y" P! u
咁你話d錢蒸發左去邊? ...
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正係咁樣$ Z* Y0 K) `7 q' N4 q7 l
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$ E2 h  M: w6 {! H9 l' ~
分分鐘佢地唔使還錢
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7 a& Y# L( O$ X3 C9 K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,# q$ W9 X3 e* e/ N, G6 A
連國家都係問人借, 不停發債券, 印鈔票7 Y) |5 [$ _" w9 I; b" F
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產  ~1 k7 N0 X( v% Y7 ^& ]5 B
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.gif2 ?5 t. `; Y. L9 x) _. o
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...4 z3 p7 c5 h3 C. x" U! r, h4 ]
因為以前未生產, 先消費1 ^% H% q  s& b
而家就要多生產, 少消費
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