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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
' f: i7 ~) {4 H# G- T4 B, dWhy bank will sell 借據給第三者???
6 A( ]$ W' r. fI was so confused.....
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講到尾都係賺錢5 y7 n7 d" {7 q: q  v" b8 \
so銀行可以不斷放款
; O% r( I/ @2 w, N美國的房貸問題散佈到全世界
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! {. C. c0 C/ L- ]6 w0 ]% _# r* qmortgage loan ; O6 \4 m$ H3 l( F+ p! G
>conduit# L4 W+ V6 g- G/ s3 C! M
>RMBS(Residential Mortgage Backed Securities)9 ?' z# ?' z! d9 s
>arranger
! [- m/ g4 ]1 A+ u1 K" r>CDO(Collateralized Debt Obligation)! o8 [' A5 x) M% v# w
最後去到投資者
i thought it is the reason of rate of return.
9 T/ l# y4 S3 ?8 c) n8 H. z& VCDs could have different ratings, AAA -> F,
1 R7 N% F4 c% [/ f  z9 W8 ~7 K) Emore risky ones would have higher premium (interest rate) as a compensation for an investment.6 [& f2 d5 \: V) f9 m
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,9 Q7 Y- t* Y8 H+ Y8 }! e0 H) e
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
! n5 v$ X7 l+ P/ t, wAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
1 m) R, U7 f$ i( \' d  l3 j" `; s( a% Usimilar to bonds, CDs trading in the secondary market have different value at different times,
( Z5 z% a2 I# e- T2 D% i" K" p( Unormally the value is calculated by adding it's principle and interest.
' I# w1 t" y6 j+ `eg. the value of the mortgage+the interests to be recieved in the future.
1 X4 M* F+ m* Wbanks 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., h6 e7 ?8 F1 O- K$ W
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im not quite sure if the multiplier effect does really matter in this case.
& m+ N  z4 t; ]  `% r+ I3 \* Kin stock market, it's the demand and supply pushing the price up/downwards.  Q5 H4 j: q4 n+ V
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
8 o3 g* b/ s% A" j. d' {. @* @A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction." ~$ ?1 S! W& _2 `; J% Q
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. / T0 p% I* N1 p+ B' y) ]# \
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
, K( t! z" f2 @% h* p5 G0 ^5 |8 yRefer to last example,$ j; ~- g( C8 C$ w% o! i
that means bank A have no money because we borrow 10 dollars from bank A
; e4 V8 a7 R0 c$ a, n" ABecause bank A doesnt have enough cash on hand
* F6 w$ l. D/ G% wtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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, `/ y8 o' o# Y( T2 BA->B->C->D->E
+ P' Q. P9 K( Fso does it mean if E failed to pay D, ) E/ R7 n2 `% ?, |; B5 S; M& \
all the B,C,D,E have to go bankrupt?
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the multiplier just tell how much money created in a whole economy, 0 @4 E; x- Z- M' Y$ r0 |
in this case it doesnt really matter how much money is created, * G4 G2 m$ {0 U# H
it's the problem of the debt itself.( w5 ?5 @( x0 ]# }; ]
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.gif9 X3 x* t5 m% v: n. X6 G
小弟一直都唔明...9 m' V* O5 S: {4 k. O
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全世界都蝕錢,咁邊個賺緊錢呢?! M6 Q0 m2 T3 y9 v" b4 s3 ^

+ w% b' s! w9 z) j4 R0 |7 |1 s/ t無可能淨係有人蝕錢無人賺架嘛...0 g, ~* N0 g! H7 g. {
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敬請各師兄解答3 _# z( \; S; J7 k" m5 _( `
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Thanks
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那些根本係 紙上財富  3 ]$ s' M4 V% ]# z
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 graphic3 d. P$ u) a5 s$ r; m
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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4 _2 y9 e5 R5 a  ?7 H; m/ q6 Z+ u
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
1 C% T  E& u# ]( r& @5 ?  a" j" p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
6 A; }' x# J/ Z8 Q6 j  [) e6 O個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
; g' q4 L# j$ ^* |扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
' z1 Y( q( l  s, J5 Z$ O計番回報率就已經係50%,所以可以好好賺
- m- w! j6 u0 F( v+ k/ u6 O前提係銀行之間要互相信任先可以咁樣借法" ~5 }0 e+ v, t
同埋個市場既前境要係好先得
" i1 I( J9 u: _* P& G但當經濟一差,公司估值趺了,物價不升反趺
1 n2 @9 j% O; l例如剛才說10蚊的, 趺到得番9蚊, : X4 c: Y( E3 Z: C% N: m5 v, R
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%  {" @8 x& g/ o0 y; u
所以你就會覺得D錢好似蒸發哂咁  z. m" u; |) \
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你都可以當標野咁諗, 個樣野多人可以狂升值,
6 ?0 [0 d6 X2 ?; E4 q, g* r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, 7 C9 _" M9 p0 ?
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 1 h& w* \( m) w6 S/ a
呢刻樓市爆, 原本冇錢買樓既, 又係問銀行借但又唔留錢供, 既然冇錢還比銀行
0 A$ u3 r+ f0 F/ `% q4 O咁你話d錢蒸發左去邊?
原帖由 kuru 於 2008-10-12 05:08 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
9 E+ y3 A1 ^; X* O唔係d錢蒸發, 而係比美國佬洗晒未來錢, 2 n1 d* R0 S# N* x; Y! u
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
( s7 f/ d7 {$ E5 M8 T呢刻樓市爆, 原本冇錢買樓既, 又係問銀行借但又唔留錢供, 既然冇錢還比銀行+ C& \) i( v6 R( e
咁你話d錢蒸發左去邊? ...
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正係咁樣
3 s: o0 l* P, E1 N8 l6 h  z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; ~' F+ y$ [+ s' s; b
分分鐘佢地唔使還錢) p: r. ?2 D0 |2 {* |7 U
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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,
+ i+ H6 A( h2 T% T* T1 Q1 I$ _連國家都係問人借, 不停發債券, 印鈔票
: B& N+ |/ g( _3 {( @一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
4 C' c4 O6 D1 w; K! ]/ J  J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
7 `0 O1 m, [$ W8 |$ ]9 X# N# ?: U8 j7 j咁而家"爆哂煲"算唔算先至係變番"正常"???
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* [7 L' U; ?  z( m& m: z" g$ a其實係...' N$ L3 \0 S' q, D# p3 |- `
因為以前未生產, 先消費
, a' \9 M8 w$ x- U! I& Z而家就要多生產, 少消費
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