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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+ s) E, t. c$ o$ Z6 I8 V# E; s& bWhy bank will sell 借據給第三者???
: c8 W  h4 ], W5 `& P2 EI was so confused.....
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% L6 Y2 L. I' K( s& a( I! o講到尾都係賺錢! C! Z6 E, {+ J+ p" p) X9 f, M' H
so銀行可以不斷放款: _% I! Y; o$ j1 w2 c9 F
美國的房貸問題散佈到全世界; ]! _( P( d7 A  c

. R" p) v- s$ m7 Z/ r1 v5 Emortgage loan
% F% b; u# F* ?1 N' u>conduit6 l5 R- u! G- C' Q- W% M
>RMBS(Residential Mortgage Backed Securities)
# u: s8 t4 l' P& ]9 B>arranger
6 \! B) @* I1 \% s, ]>CDO(Collateralized Debt Obligation)
4 {) A3 a5 \1 T5 q. z最後去到投資者
i thought it is the reason of rate of return.3 D. y" }, ?, Z1 w
CDs could have different ratings, AAA -> F,
& b% ~; Y* A( F0 m* Q% J) Tmore risky ones would have higher premium (interest rate) as a compensation for an investment.
  o; T! H8 A- u& Hmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,6 O$ g2 A6 z* \: s$ W4 w3 U& I6 z/ y
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities./ {+ w. H3 L; E$ h  O9 i
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.7 ^/ y7 V, O) T! ]6 Z+ c# l
similar to bonds, CDs trading in the secondary market have different value at different times,+ c5 x6 `3 f  d8 y( K8 A7 H% I
normally the value is calculated by adding it's principle and interest.
5 H3 g8 q! K( L/ y' Zeg. the value of the mortgage+the interests to be recieved in the future.
/ h' t9 g- u0 E2 Abanks 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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% P6 N6 Q% a, {) a6 S& }im not quite sure if the multiplier effect does really matter in this case.5 t9 k9 h/ M  a! E& ?
in stock market, it's the demand and supply pushing the price up/downwards.5 n) h( J  [8 Q+ n, i
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
. j: r3 ~/ e' O0 [! Y/ b! PA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
9 a( p" E  D) j3 i' ?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.
! s' M9 @0 e" _but the value of their assets did really drop significantly.0 Q4 E* W* `# S; k' O6 J3 g
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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' F# v/ r- ~* \9 @# BRefer to last example,
5 S! Z+ m9 S. f) n; u" Uthat means bank A have no money because we borrow 10 dollars from bank A
# V" K" y+ {7 m$ O# mBecause bank A doesnt have enough cash on hand
1 a5 `& y9 x: I  m' E* }" dtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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1 S6 @8 F+ z8 u& K. K( ?2 i2 }3 ^A->B->C->D->E
/ `& |% E5 ]) x9 T6 R" o; xso does it mean if E failed to pay D, ! A1 j; W5 P/ W0 s5 Q; ]
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, 4 E  _* k6 D  h, f1 g  _( {
in this case it doesnt really matter how much money is created,
# x0 B/ a7 {5 Q' Dit's the problem of the debt itself.2 @2 c) y; Z( Y) E; r
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
! c& R7 P+ I9 {  k8 f/ N" M小弟一直都唔明...6 i: k0 \5 A  j, x% U1 N4 V3 k

# |' m- h5 u$ w! m7 W全世界都蝕錢,咁邊個賺緊錢呢?
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0 i3 r. X( Y0 p8 \# I! c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
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& G; z9 f6 c1 \& \9 A( gThanks
8 s: [2 H: S" x) ]2 k9 i
那些根本係 紙上財富  / K+ o- ^$ z. z5 E
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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) j0 b0 Z3 c: G( H' F% z) @( Phttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
5 q5 g+ ~# Y, [# v" d3 \當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
* a+ u) n5 _0 W: e( {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- z" B2 a! Y6 i- _- @
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦+ I# N, G/ ?' Y6 W: ?6 u
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,2 _" m# w' b0 ^7 F( q! k) c2 U
計番回報率就已經係50%,所以可以好好賺
2 W0 z6 H" J( H3 G  {& u前提係銀行之間要互相信任先可以咁樣借法7 k+ r/ w) G' ^" ?5 p" B
同埋個市場既前境要係好先得
. Z- M# h/ l8 D  r1 {3 B5 V但當經濟一差,公司估值趺了,物價不升反趺3 m; o2 b2 l: M1 G* o+ r
例如剛才說10蚊的, 趺到得番9蚊,
3 i6 b) k8 O3 b咁投資銀行一下子就要還11蚊, 一來一回變左虧200%2 K( y4 X1 L3 [& ~8 X
所以你就會覺得D錢好似蒸發哂咁( m# B; D8 K5 E3 S4 e+ J$ f: E. ^

+ u. s  X  C  Z$ s) O: r你都可以當標野咁諗, 個樣野多人可以狂升值,
+ L7 R! r' m& U5 d0 Y1 ~/ 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,
8 |" h" B0 K+ H! O) n+ C淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
5 m8 V3 }4 |7 E* R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 W( m" m9 Z' S; i9 F9 Y
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
( d8 V2 J3 }: K" N唔係d錢蒸發, 而係比美國佬洗晒未來錢, & M; [# f. D: D7 G- f
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
* p* s# e& U$ U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: S5 ^6 m咁你話d錢蒸發左去邊? ...
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! h* ~8 l# {" D, @正係咁樣* N2 ]1 |1 e9 r- x# Q
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4 ]: ^% F7 J, R3 m. R3 _2 E
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,, l" u! f& t7 q0 ^9 u0 O- b
連國家都係問人借, 不停發債券, 印鈔票2 ?; O+ x1 V4 n* U& h% J
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
" W$ s* E' ^: R6 D2 P' X* g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) e5 E# Z! i4 Y5 `' x+ S$ v: k# T咁而家"爆哂煲"算唔算先至係變番"正常"???
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1 ^. G" }' ]  Z! V其實係.../ v' g8 |! v4 |$ n+ u3 g
因為以前未生產, 先消費
. F' s4 M6 L, G; w% j* C& O而家就要多生產, 少消費
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