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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.gif4 |3 v8 B9 ~( t. [4 x) `7 T
Why bank will sell 借據給第三者???
7 T0 v1 J" k% l& j" ^' ~' w, aI was so confused.....
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講到尾都係賺錢
. v  C6 I% S5 @5 ?8 p+ g" n* h" ]so銀行可以不斷放款' I2 m3 o8 |+ h. T6 l# q
美國的房貸問題散佈到全世界
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+ T4 k: E/ Z4 i5 ~/ P* Vmortgage loan * I# i; c: P  j$ D/ I  D5 f+ J
>conduit
- {7 A2 Y0 t& R. @: L: z# k8 j>RMBS(Residential Mortgage Backed Securities)
  S' J+ l' `. O( r& x1 p2 v>arranger
4 |2 R% c+ t0 r& j2 L>CDO(Collateralized Debt Obligation)9 v/ J1 @& O$ s$ E4 u
最後去到投資者
i thought it is the reason of rate of return." n2 o3 j3 @2 ^" r
CDs could have different ratings, AAA -> F,: A; s3 W( E+ n4 ~5 w6 w3 y
more risky ones would have higher premium (interest rate) as a compensation for an investment.
/ H! x. o( P2 L4 a7 bmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
* o! y3 ^( K6 t7 u* o* Cin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities." ]4 d( k: L9 Q; F$ c
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
; G* {0 G. u8 e& X( f  }( F$ Isimilar to bonds, CDs trading in the secondary market have different value at different times,, V7 [8 y' f, \. U; y/ ^: a0 z
normally the value is calculated by adding it's principle and interest.
9 m; N, x# a+ r/ c1 K; D* W- ]) leg. the value of the mortgage+the interests to be recieved in the future.
: M7 M: {, j' Y2 L4 lbanks 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." O2 v4 B8 {; f, \

0 P: @, m# h" c1 L7 ?6 @+ j! f6 ^im not quite sure if the multiplier effect does really matter in this case." J/ @; {0 @2 h0 W! N+ Z
in stock market, it's the demand and supply pushing the price up/downwards.
/ R5 o# l& m) l6 q6 U0 O$ I4 s) pFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
5 ?6 s7 |8 R) ~  eA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
; p; n! o  c: S" a* O3 r& r  l3 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. - e6 _5 `1 s5 ?8 g4 b' |4 A
but the value of their assets did really drop significantly.: E: R2 L0 Z  A5 ^* R
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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
" A" @& e# C# U, f4 lRefer to last example,5 G" G/ S0 Y4 `$ ]% Q
that means bank A have no money because we borrow 10 dollars from bank A ( }  P# a2 ]  a3 e
Because bank A doesnt have enough cash on hand 0 [* N6 _, N- l6 w, _- F6 C
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
1 l6 J0 D* e) K7 Uso does it mean if E failed to pay D,
! _  e, ]$ w) ?: Z5 r& Vall the B,C,D,E have to go bankrupt?
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6 E. Y4 X" v# N, }; _% N
6 e! Y- q0 |& m5 P7 Rthe multiplier just tell how much money created in a whole economy,
: i; J$ h, D1 Q0 G2 u5 _/ din this case it doesnt really matter how much money is created, / Z  I( i+ _! C7 m8 b, w5 N; o% W
it's the problem of the debt itself.
% q( d4 T% s1 m# othe 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
6 z9 L3 W: n& T# M& ], Y; ?小弟一直都唔明...
" [6 ^, p+ r1 A. k1 l% x; a4 @. m5 ^) z3 ~/ t) n! I
全世界都蝕錢,咁邊個賺緊錢呢?4 H: M/ d2 C  Q6 G4 Q/ H

2 T6 N/ k  M# b5 i. s無可能淨係有人蝕錢無人賺架嘛...: r2 @( {& @# _$ G3 m6 E; R) \# }

% `: q( B) y2 G, X) o敬請各師兄解答' A* }& M1 x. r7 s' Y5 h: {) W
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Thanks
# d/ G$ [' s1 O4 q* s* w那些根本係 紙上財富  * I6 ~3 ]% v7 o1 B# ]
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: j# f( J5 X& [$ T! J+ n, q7 r! f

- s6 V/ [' U, {4 z& hhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產4 b) r4 f  @, d5 f4 [
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高/ @' p* l' X0 |
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
% X  O' t" w: i9 L5 r3 i' A個件物價係市場好既時候升, 例如15%先算,變左12蚊啦: J1 |: f0 ^. D1 a2 ^$ ?$ q7 x4 V( {/ S9 Y
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
2 e6 O  r( S3 f$ J0 i% c3 n計番回報率就已經係50%,所以可以好好賺; }1 T' |* K) h4 T
前提係銀行之間要互相信任先可以咁樣借法4 W. z. L) H+ D& V
同埋個市場既前境要係好先得
, R* p/ o8 Y- i9 N# z/ K但當經濟一差,公司估值趺了,物價不升反趺
* N; Y$ n4 z8 m. k( u例如剛才說10蚊的, 趺到得番9蚊,
1 _* ?# k7 O* V咁投資銀行一下子就要還11蚊, 一來一回變左虧200%/ n' V1 R' s( D/ w- l$ H
所以你就會覺得D錢好似蒸發哂咁2 n3 o+ n/ r5 J& q2 z/ R
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你都可以當標野咁諗, 個樣野多人可以狂升值,
! a3 ], X  b* 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,
* |4 c8 e0 g' ~4 ^; p4 K- O! b5 p淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,   H9 y$ A# H3 `/ T- {# V2 o+ l
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
+ N$ G$ }8 y* l( u( Z: e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
* e& O: u' y9 y% o唔係d錢蒸發, 而係比美國佬洗晒未來錢, % `+ u4 v1 ]* [. v+ |
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
" U8 P2 e; n! a% d0 r/ `  D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  G7 H: W2 v3 p% m9 K0 {$ Z* @
咁你話d錢蒸發左去邊? ...
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正係咁樣+ l: U0 q4 p/ e/ x& M
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
% u$ b; G, b) y3 q: }! E  x分分鐘佢地唔使還錢
5 s8 `* N3 p* U; o7 b! ]2 i# w) X2 O: m" K3 x
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,6 R. X0 C$ U8 Z" S# W
連國家都係問人借, 不停發債券, 印鈔票: @9 Y# \0 J- e' |3 f  c
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
3 L: C; G8 ^- d1 a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; X) U% w4 }5 p6 d6 b, q
咁而家"爆哂煲"算唔算先至係變番"正常"???
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0 H7 m4 D" q/ Q) m* |3 |3 \其實係...
# l# }  R. c# l# P  ~; D9 c# h% e9 \因為以前未生產, 先消費$ ]3 m, b1 s$ O1 ^) \
而家就要多生產, 少消費
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