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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
. r! W/ w% ?1 c+ C5 p, HWhy bank will sell 借據給第三者???% n# [+ w, ?* Q" h
I was so confused.....
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講到尾都係賺錢0 w/ e" z1 Y" k$ P" D" x( J3 M
so銀行可以不斷放款; D, x+ z; {% K/ M0 l5 s) C# R: u
美國的房貸問題散佈到全世界
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mortgage loan 0 H4 t3 o- i+ ?8 b  d; P
>conduit$ y4 K3 X7 S/ O, _
>RMBS(Residential Mortgage Backed Securities)
8 C1 t4 ]' w0 ?, [+ q>arranger' E8 S) l: o* p# ?+ W3 V
>CDO(Collateralized Debt Obligation)
# ]. X2 f$ V7 k3 m最後去到投資者
i thought it is the reason of rate of return.
( Q$ x0 z0 T1 B. v% cCDs could have different ratings, AAA -> F,
9 u  u" O& R. N4 z5 V% Hmore risky ones would have higher premium (interest rate) as a compensation for an investment.: k8 b' B1 _9 K& p+ N! J
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,! r$ ~5 ?0 C6 Z9 N+ d" i+ F
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.1 }" {) o- F' X4 Z- e7 N/ E4 v
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.4 l- n2 A0 `) Z& |1 J+ q% U, _
similar to bonds, CDs trading in the secondary market have different value at different times,
# t8 p' t# u) f) o& B5 E  Snormally the value is calculated by adding it's principle and interest.
/ @* q; y% M0 f# O, v$ ~0 m/ Peg. the value of the mortgage+the interests to be recieved in the future.
8 R  l( |' _  k4 z0 Z& ~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.5 D! j4 t% @8 d

/ s) ]2 h! J; [; [6 }* F4 k7 @im not quite sure if the multiplier effect does really matter in this case.& [- H& [0 i$ V+ \5 _4 [' \
in stock market, it's the demand and supply pushing the price up/downwards.6 }# S3 K9 z# [: Z0 @6 Z
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,; }, o& i: I( F& D4 j2 c
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.5 Y$ J! M7 R* f) u; 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.
+ R, z: v6 L6 x5 j; H4 ybut the value of their assets did really drop significantly.  D) R7 z6 j6 I; a- S3 E' N; a4 ?
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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
  M- K3 t4 E+ K+ y9 e+ HRefer to last example,- f  c" X0 @- N- g) l/ y$ b
that means bank A have no money because we borrow 10 dollars from bank A 0 l1 h+ [, G2 J. D4 i/ L, A
Because bank A doesnt have enough cash on hand
( {; E9 ?/ f7 a& h: L" i; Ztherefore bank A need to be bankrrupt ??? Am I right ?? ...
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: V. u- A7 Z1 T$ M. j6 y7 mA->B->C->D->E$ U. U* A7 l+ K5 u) P
so does it mean if E failed to pay D,
" `) f7 k+ t/ Fall the B,C,D,E have to go bankrupt?
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8 A; T3 {" i# z: N' g) E+ uthe multiplier just tell how much money created in a whole economy,
" @% m' N# N1 A. {& L9 U! b' Cin this case it doesnt really matter how much money is created,
5 V4 S4 |( s+ [% i) F, ]7 z4 m" ?it's the problem of the debt itself.
  y$ K! f5 j3 ]9 f" V. tthe 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
! M3 g: h3 f3 D1 M. B小弟一直都唔明...7 {1 d) K" H0 ^' p4 }
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全世界都蝕錢,咁邊個賺緊錢呢?2 K  T, V, ?/ ]" i
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無可能淨係有人蝕錢無人賺架嘛...
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敬請各師兄解答( {+ ~: J* d% j# Q
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Thanks
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那些根本係 紙上財富  7 R" }& R* o0 G; M3 |2 P
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+ m3 r0 f6 g& S- m9 i0 A0 Q, g1 U4 h
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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
* m! V& m3 y  R8 g- N當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
0 q$ l( N9 ^3 r4 O: 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9 n7 B( F4 D* Q9 N
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
: e7 y8 o! k" t" q; B3 |扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
: [# n/ V8 f$ H9 I計番回報率就已經係50%,所以可以好好賺
% l7 {0 v  D4 X* Z前提係銀行之間要互相信任先可以咁樣借法
8 j8 q! |7 r* U6 P" B( ~同埋個市場既前境要係好先得
+ l$ x, g9 ]- h- A- E/ O- j但當經濟一差,公司估值趺了,物價不升反趺
! C4 I9 i: G0 p' s$ W' K  t例如剛才說10蚊的, 趺到得番9蚊,
9 k" X, r. N9 c" }# b6 k咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
' S9 f% a6 G# U) ]所以你就會覺得D錢好似蒸發哂咁
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+ _6 q( K, H  s+ X你都可以當標野咁諗, 個樣野多人可以狂升值,
; M2 `( @7 h1 h3 i# h; T3 w: J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,   }" h" R8 @! k: R( T& y% S
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
0 [7 {6 u; V6 T* e( A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
/ O: m: u7 f- n6 ?6 u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% O0 R& ^& u( u7 b1 l
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
% |6 l. Q& s1 c# ~* a& o/ R! e淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
9 S& m  X* N( N9 A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 R6 W# U. x; p* s. v1 r. ^
咁你話d錢蒸發左去邊? ...
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1 T4 V; o% ?; `5 ~正係咁樣
+ B, [  k# J/ S: j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" `2 m5 w: h/ S) @# J$ \
分分鐘佢地唔使還錢
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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,
9 ?& a; r/ V4 k; F$ q連國家都係問人借, 不停發債券, 印鈔票. C1 [: _/ H$ y0 `# t* R
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產5 }/ h: u7 @" }4 B9 R1 }( S8 E
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; p6 Y8 M, Z1 f1 B) z" w0 h
咁而家"爆哂煲"算唔算先至係變番"正常"???
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# L+ W% h+ ?* G# _, q其實係...0 F4 ?3 g& T! x( j
因為以前未生產, 先消費
5 Y$ k1 Q! Z6 Z而家就要多生產, 少消費
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