<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?
返回列表 回復 發帖
原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif! q# E. X' e2 a2 G5 X. I4 o; ^
Why bank will sell 借據給第三者???
1 Q4 E' h9 v# o7 t3 {I was so confused.....
8 o2 F& Q0 x  W5 e5 D0 `  b
( R4 e, I) I+ ?0 H1 A4 u講到尾都係賺錢  a3 M3 b0 T/ e% `! j5 W2 \6 {
so銀行可以不斷放款
8 W0 H* A0 G  w/ n  G* I: X美國的房貸問題散佈到全世界% e6 @+ a; O$ U5 ]

5 p8 H# Z' t: n% F5 umortgage loan
% c( N3 a1 D) @+ ~9 f! l>conduit1 }; H% F/ [$ K/ C7 Q) E
>RMBS(Residential Mortgage Backed Securities)
& S" d: Z6 Q5 h% j2 l5 p- E>arranger
, D' t7 U$ h5 X5 [>CDO(Collateralized Debt Obligation)
" {! V/ f! g) R# Z$ e最後去到投資者
i thought it is the reason of rate of return.) f+ _" z2 B: A1 {7 j
CDs could have different ratings, AAA -> F,+ ^4 M  f5 w& X0 p+ t
more risky ones would have higher premium (interest rate) as a compensation for an investment.7 f5 l3 V4 e( }3 Q6 u) H# f
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
9 R, I+ D1 }; y( cin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.  G  c8 v; Z6 U% ~
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
+ v  W% o4 Y& x  b# Zsimilar to bonds, CDs trading in the secondary market have different value at different times," H# p' X- p9 E
normally the value is calculated by adding it's principle and interest. 2 `" Z5 l7 n6 ]* t8 ~( y! V
eg. the value of the mortgage+the interests to be recieved in the future. 8 N) A# S9 ]2 }8 V! r
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./ a- g, m" g# |' `' O0 [0 O
6 E) F1 d8 c; L3 P; J
im not quite sure if the multiplier effect does really matter in this case.  X- w9 {8 A8 Z& f/ ?
in stock market, it's the demand and supply pushing the price up/downwards.
2 [6 T$ S/ U- KFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,) U' g! q- l' L/ P
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
" m+ G' ^% p1 p: M2 ]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.
- t2 _# t, H% z9 V7 `1 C# sbut the value of their assets did really drop significantly.2 ?  `% l  s% M. R' E0 N  v% U

! r' V/ G4 u+ P0 t, M& `+ }, q' i[ 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
* [/ [6 o" B2 [" W# j) CRefer to last example,+ _$ x! j9 {/ B$ S" J3 i) e
that means bank A have no money because we borrow 10 dollars from bank A
! k* O! N  b( \" G6 V; nBecause bank A doesnt have enough cash on hand - e' j! b$ [3 J+ m
therefore bank A need to be bankrrupt ??? Am I right ?? ...
2 u, F+ R: a4 U! H9 X  C8 S1 `  R
4 n; h) Y6 |# y
A->B->C->D->E
; [7 m) ?/ c# m, p7 s) n- Mso does it mean if E failed to pay D, 0 ?8 c8 L: r9 ^8 ]' n/ C
all the B,C,D,E have to go bankrupt?# y( Q- F! R( g+ S  Y9 J
# E) L: z3 ?) J

0 X$ p. u, d% G" S8 R- g6 G2 x/ hthe multiplier just tell how much money created in a whole economy,
# V1 T  u8 R2 Q: {in this case it doesnt really matter how much money is created,
  t+ ]+ R$ i" O( H0 r; p. o( Y) ^it's the problem of the debt itself.
9 Y5 V0 o: ^0 E' |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.gif
3 M- S  z* k0 z小弟一直都唔明...8 M6 \3 H) K8 d9 a$ U+ d  l

8 e: m8 [& {4 P7 b+ R全世界都蝕錢,咁邊個賺緊錢呢?
, N/ |' T7 {: M$ l$ u2 s- {
, @& O# F* t$ K無可能淨係有人蝕錢無人賺架嘛...1 u6 H/ ~( E. o) c% }& q; e4 x4 X

1 I/ n$ h9 `1 W3 D8 T+ A敬請各師兄解答0 n' i- Q7 N% u4 b

$ p& d% i7 l* m% |Thanks
) Y/ G# c, D6 X. I& J1 ]& e那些根本係 紙上財富  0 @8 o* ^) s( \( a
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
, I1 f1 o% N" I
$ n/ Q0 r  m2 ]) o; ]http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產0 @; d+ b* [! M4 m1 ^6 F! W; r
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
# y4 }7 j. n9 e3 ^! ^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
: z5 ]" d$ a" [8 |$ j個件物價係市場好既時候升, 例如15%先算,變左12蚊啦* u& C1 m  M* q( r& Y
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,# t# c/ Z8 }. K
計番回報率就已經係50%,所以可以好好賺
7 ]$ x3 E6 e+ g5 t0 a7 l# S前提係銀行之間要互相信任先可以咁樣借法
4 u9 Q5 j! Z' O7 H同埋個市場既前境要係好先得
& K! g, _( v: k9 [) o8 d& V" G但當經濟一差,公司估值趺了,物價不升反趺; c$ J5 y- K) C) j
例如剛才說10蚊的, 趺到得番9蚊, 7 L, G' S8 F9 J2 H7 M2 F8 p
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%  ]6 t. U% P" D
所以你就會覺得D錢好似蒸發哂咁$ o& s" [7 I7 X) \2 [  x# b
% A9 J% L5 a9 Y& W6 Z
你都可以當標野咁諗, 個樣野多人可以狂升值, 8 w3 a' H% T# ?: G' m' r! e/ t
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,
( V* m3 G; ?" t淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 4 c. _; Z. a  D- F! q  ^
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& m  C% m; b2 x: {- c
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- I4 Z% u4 j# X( n& E
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
5 C0 `, @% q# U( Z6 Z/ _+ A/ e淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ; b  g, t# ?# X
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8 D/ L3 H  t* H/ ~3 x
咁你話d錢蒸發左去邊? ...
& O. ^9 V7 n- p- I' D

+ |5 O/ S- t" V6 C正係咁樣
" P3 l$ a4 [$ ~' n6 C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$ ]$ {$ H$ I; u! A" w5 J% K
分分鐘佢地唔使還錢
+ \, V! x4 j' d& w3 o$ X% Y, |. a" F1 ]7 F8 J
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,
( J1 C6 ~# E8 B* f4 I連國家都係問人借, 不停發債券, 印鈔票8 V% i( C. J% {+ s! o
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產% q. A0 P& Y  B' z
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
6 P7 C  X+ [8 }/ v' y! \% l咁而家"爆哂煲"算唔算先至係變番"正常"???
! m" R" b( ^2 t+ E. {1 v& l( N
4 a; g% k8 J; s6 |
其實係...! d* k6 _: X5 ~+ d3 A( M9 j5 n
因為以前未生產, 先消費
7 K5 @& {" o/ B! W- p& p  U而家就要多生產, 少消費
返回列表 回復 發帖
<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?

重要聲明:26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作,26fun.com對所有留言的真實性、完整性及立場等,不負任何法律責任。而一切留言之言論只代表留言者個人意見,並非本網站之立場,用戶不應信賴內容,並應自行判斷內容之真實性。於有關情形下,用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限,故不能完全監察所有留言,若讀者發現有留言出現問題,請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言,同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論,敬請自律。本網站保留一切法律權利。