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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) m9 _% ?) W3 D
Why bank will sell 借據給第三者???
: N  T# n' s% K/ t+ E0 |! OI was so confused.....
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! w0 q# j( H# m2 Q  M5 C9 O9 X講到尾都係賺錢5 {& z; F4 H) z
so銀行可以不斷放款* n1 A; X9 P) [9 R0 @4 J
美國的房貸問題散佈到全世界# b" w- {. M% D# C' I

2 B% W1 o9 _7 J8 D1 p0 g. l: {mortgage loan + z; M: e  \8 @5 B# J
>conduit) F! L2 [* J7 P" X# k
>RMBS(Residential Mortgage Backed Securities)
1 E$ U% k4 d6 a, r  ]( {5 a>arranger
7 m: J) N1 a  n' q( f>CDO(Collateralized Debt Obligation)
, B; }# Q! d( x( Q, ^0 i最後去到投資者
i thought it is the reason of rate of return.) X% J1 `' d# s6 H: K9 ?" t
CDs could have different ratings, AAA -> F,- ^8 @* R2 q+ y6 M3 X/ q% b$ n
more risky ones would have higher premium (interest rate) as a compensation for an investment.! `( V8 E5 P* T! c) C0 d
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
/ M, g! F9 ~; X, @. {in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
! t$ E, N. G6 u3 J. WAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
3 x' n8 ]9 T: p1 d! zsimilar to bonds, CDs trading in the secondary market have different value at different times,& j, @& B3 i) F. J- l( K
normally the value is calculated by adding it's principle and interest. % f1 [7 V" j2 g& P
eg. the value of the mortgage+the interests to be recieved in the future. / B4 {8 ~5 |& @
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.! t$ g$ E* H; [& _7 q1 M" ~0 ~

/ ~/ C. J1 n9 \$ nim not quite sure if the multiplier effect does really matter in this case.. j+ d- H/ `7 D. E
in stock market, it's the demand and supply pushing the price up/downwards.) d8 L' A1 \( j7 ~3 N9 O- d
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,7 d( e, }- Q; K* a0 S
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.; r4 }" H1 ?* j! L- A8 c
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.
2 M; K) J# X* b, c  ^but the value of their assets did really drop significantly.
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% _2 K: F- M! k2 ~7 q  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' W, \& e- x: ?: }5 _
Refer to last example,/ f2 \, Z" O/ e5 L1 ]4 a. Q
that means bank A have no money because we borrow 10 dollars from bank A
; q* K2 S; ^) I2 R/ H' HBecause bank A doesnt have enough cash on hand # y' r' ~3 {6 v6 |1 o2 h- m# f
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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$ M! {& l! g0 l; N( ?/ F8 vA->B->C->D->E
" h5 _! I. e2 L( F* \9 n( B, Xso does it mean if E failed to pay D,
7 f; h- ?! E, ]all the B,C,D,E have to go bankrupt?" v  d# j: F0 [; ~) j

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3 G: s4 V1 s* j6 X: H. L5 Kthe multiplier just tell how much money created in a whole economy, ( U* s  x4 U4 {- r  h0 M- q
in this case it doesnt really matter how much money is created,
& N6 U) M8 c! ]" Rit's the problem of the debt itself.
. y2 ^' v, q1 G( V7 M1 @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.gif6 V, K- O, H4 o% f  P
小弟一直都唔明..., f5 Q1 d4 W8 Z. B  i

' J9 V/ U' B/ b; n( t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...# p' d) E+ a: o

% Z! ^' g. R3 r$ ^! \2 A( g: Z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  
$ e; c, b' T* e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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http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
5 i' ?0 U2 E3 e- n  p& |" ~當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
9 d% c, h6 H1 z1 s0 a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
) n% c% Y+ Q8 q7 i- s" @+ a個件物價係市場好既時候升, 例如15%先算,變左12蚊啦& A  X" h8 {5 R& i9 v0 Z4 Y
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
/ M! P7 f) h7 N6 n/ J* a計番回報率就已經係50%,所以可以好好賺8 }. {" ]; {) {0 V5 d3 D1 Y5 [- L
前提係銀行之間要互相信任先可以咁樣借法
6 x8 A9 a' u" S  l; B8 w同埋個市場既前境要係好先得3 E9 A/ {6 G8 I$ y/ N0 J
但當經濟一差,公司估值趺了,物價不升反趺  Z. P, Z- a; G2 `! d! G: l! i
例如剛才說10蚊的, 趺到得番9蚊,   A6 y# O! g: u7 U1 O/ C' ~1 I
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
7 V. M4 b& c- w6 D6 L/ H所以你就會覺得D錢好似蒸發哂咁3 r+ C: n  L" h- Y* ~1 e. K4 R, _& l

% G+ t& {; }! B+ d% U你都可以當標野咁諗, 個樣野多人可以狂升值,
$ E2 Z  w6 U5 A: z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, " Q0 K  e: Y3 e1 N
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ) `9 H8 D0 [6 w# H
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- I) Z# R8 x# r# w# n; U& J
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: S! c3 ^3 l6 O% m  i: T
唔係d錢蒸發, 而係比美國佬洗晒未來錢, % @9 Y0 p8 _, X9 O5 }$ |) S
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
) h  ~& l) W' J) _% t5 M" u5 B' 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
4 L, F0 b9 e1 ^- `2 ^! {, z咁你話d錢蒸發左去邊? ...
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3 t' G( t' {) h, `$ R: b1 q- _正係咁樣
  [, e( u( x1 p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
' f0 E8 q7 q* J: l2 V4 G# T7 o" S4 ~分分鐘佢地唔使還錢
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# r& G, u' q5 R# q7 S/ X% c6 H0 W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,
/ S3 ^1 Q2 O- e  X6 e連國家都係問人借, 不停發債券, 印鈔票( \) Q; r) h7 w$ v2 [* ~
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
+ M' d$ a: Z- i3 n( [. N: m8 U8 C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
9 N7 V+ _: U; O' r$ h; D' U咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
9 ?$ N, o* P7 f1 T7 O因為以前未生產, 先消費$ u1 [" C" r7 C6 _  r) d3 D
而家就要多生產, 少消費
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