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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 {* d6 L3 A  a: \* _+ Q4 s
Why bank will sell 借據給第三者???
2 W  W1 J4 G! J9 [- Z( u9 A* ZI was so confused.....
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講到尾都係賺錢
. f# {! @2 i  Fso銀行可以不斷放款
% U$ P9 v4 S5 I) I; X! j" ^0 x6 R美國的房貸問題散佈到全世界
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4 @: G$ ]2 [% {, e' B4 _$ p# lmortgage loan 0 c. ^- g' o4 P1 e
>conduit
/ f' N$ @. h/ L8 `>RMBS(Residential Mortgage Backed Securities)) g: q/ p9 [" c: E9 ]$ @: A- ^1 h
>arranger: i, P0 ~6 U1 V" c/ L
>CDO(Collateralized Debt Obligation): h2 x6 |! S) y! }" R! g, z: @
最後去到投資者
i thought it is the reason of rate of return.0 w2 j! q( t2 @/ T2 C1 M1 Z
CDs could have different ratings, AAA -> F,
2 v0 I; M$ ]' E0 F2 @more risky ones would have higher premium (interest rate) as a compensation for an investment.
6 ?3 U( S( P9 ?& @, v% A7 Lmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
6 d* Z* j/ [1 p3 h9 tin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
0 C, t& {' K9 qAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.2 n, {# L# J8 d7 w$ S4 ?
similar to bonds, CDs trading in the secondary market have different value at different times,0 M, ~0 f1 A( g( W: N9 d
normally the value is calculated by adding it's principle and interest.
' s# G6 S$ k4 t" i7 \4 }4 deg. the value of the mortgage+the interests to be recieved in the future.
3 b) o; X' U: s  t3 ~+ a5 M  Jbanks 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.
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" i3 f# C; Q/ Q) k( L. M. _im not quite sure if the multiplier effect does really matter in this case.
8 |( F4 k# @. b( bin stock market, it's the demand and supply pushing the price up/downwards.
) I' v  P: P0 a& q$ l! RFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
- Y6 O: `2 T( p3 t; }A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.0 Y$ N& M  d6 v5 Q% P9 l
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.
! @4 E$ u" G3 J# ~but the value of their assets did really drop significantly.
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# H% s- p! C( N[ 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
0 C9 U$ x, Q- j3 M5 m3 \Refer to last example,3 Y6 G1 E( L/ P. e( V1 ~: b
that means bank A have no money because we borrow 10 dollars from bank A % @( V( l* S3 O6 W# t
Because bank A doesnt have enough cash on hand 9 @/ `( y) ~; [- p' m% v2 O
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
, e; n) K: R9 ?3 vso does it mean if E failed to pay D,
. g+ S9 a0 H% d5 c: M" r2 T) eall the B,C,D,E have to go bankrupt?
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5 e5 g3 a8 P( \" N9 I3 [the multiplier just tell how much money created in a whole economy,
- ?( \4 C; S1 s# y/ y: bin this case it doesnt really matter how much money is created, 7 N5 u# L5 U5 \
it's the problem of the debt itself.
6 Z1 O" J( Z( Zthe 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.gif2 X" u- m% N1 I3 \; m6 Y
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...  C9 ?; e: u2 q
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敬請各師兄解答
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5 G- k0 M. t0 L6 F+ x5 @Thanks
$ r! n( E' f4 I4 T$ m# K那些根本係 紙上財富  " K- m+ ^0 S+ Z( {* B; m# M- o
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
* i7 r, J% d7 {當經濟好,投資銀行相信會賺錢, 物價既估值相對較高' W% u. v. v( v( a4 i8 f9 r& i
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 `& k( S' z% ^
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦/ Y+ v9 ]3 Z" c8 c; {3 [' r
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,: X/ f/ @1 r+ a) y9 L
計番回報率就已經係50%,所以可以好好賺
; E6 z* z% e" o; l/ x0 ~! b4 d, x前提係銀行之間要互相信任先可以咁樣借法/ F# e3 G1 @) r0 b! k+ }
同埋個市場既前境要係好先得' Y! ^1 {8 F) l2 l0 C
但當經濟一差,公司估值趺了,物價不升反趺
4 ]6 @5 ~. ^+ n3 l! Q例如剛才說10蚊的, 趺到得番9蚊, + x- `/ B" D/ ?& O# v, E
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
6 Z" U! m+ Q( ?" x2 ~所以你就會覺得D錢好似蒸發哂咁# \, `* z/ W3 R7 a- i2 U$ X

9 ~7 h" p" c! T# F你都可以當標野咁諗, 個樣野多人可以狂升值,
% a, ?3 U; g- ~1 a1 D; 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, 4 z' l# z: F5 W& a1 K
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
/ S2 b% I) s7 u8 [  n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9 g" p7 t8 A5 v
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. y, `; \, t+ \) q! I' t
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
; f% U# ]6 ~4 G9 j5 m淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,   \3 {% \( X* j4 T, L9 {7 o
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1 }: u! V) X; A0 ?( c( p8 Y+ c9 {
咁你話d錢蒸發左去邊? ...
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正係咁樣) m" B2 S( f- q- o6 `3 R
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- s: B3 g9 {7 K% X
分分鐘佢地唔使還錢# _) B7 P% h) f! b/ K6 U5 K

$ `4 d1 n! U. r5 ]: G" @% D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,/ Z$ S1 ]2 W, y# J1 j
連國家都係問人借, 不停發債券, 印鈔票/ I: [6 V0 A/ Y0 Y3 b- M
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
1 O- N" v4 _& Z- q- G; 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.gif8 B0 Y7 f: \# N# ?% {! y, m1 v
咁而家"爆哂煲"算唔算先至係變番"正常"???
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; F& {# Q6 k- _3 h其實係...2 T5 ]% p: z) W4 f
因為以前未生產, 先消費& @  c5 d. K% y" L7 C5 o' ?3 k$ L
而家就要多生產, 少消費
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