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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
& x9 n1 x1 {8 k! U6 KWhy bank will sell 借據給第三者???
8 D* D% F( w- q: hI was so confused.....
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$ _8 e7 }3 v7 K8 ~講到尾都係賺錢$ x, \( C1 U  I* n& m
so銀行可以不斷放款2 A% @0 G0 ~  y# F, w  X. u) C2 Z
美國的房貸問題散佈到全世界( |  V. W* X$ q* c2 P. r, l- B) a

% [" N2 v+ F( R- c# k' m" M" qmortgage loan
& u4 g4 Z$ C  {9 ^3 T# c>conduit
' K$ |3 k4 U6 R>RMBS(Residential Mortgage Backed Securities)% s8 n& m9 t$ U  Z6 W' r+ `# Q# U
>arranger
8 c" h2 d3 Q! @- T, P: N6 M5 O>CDO(Collateralized Debt Obligation)# {1 i& u/ S$ p1 K8 D# l0 T
最後去到投資者
i thought it is the reason of rate of return.
( S* Y0 {9 M2 N+ b% Z9 V) sCDs could have different ratings, AAA -> F,
8 R0 _% K$ N5 O3 emore risky ones would have higher premium (interest rate) as a compensation for an investment.7 _, A' e+ P# O% C3 E
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,0 Y8 l8 }5 d, g, [4 Z
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities./ n& n4 n) o: O+ Q' o# Z
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
0 u( |& _2 B- K! p; B# }similar to bonds, CDs trading in the secondary market have different value at different times,
7 p( @- F* x. c- d3 K$ x) h2 unormally the value is calculated by adding it's principle and interest.
# ^# S$ l+ B, B1 t; ~# f* R) ]eg. the value of the mortgage+the interests to be recieved in the future. ) w1 R  _1 @% j5 x: y
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.
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! w" ]' G  ?9 gim not quite sure if the multiplier effect does really matter in this case.
) {& a, Q% g! j  r/ Y6 U% G, bin stock market, it's the demand and supply pushing the price up/downwards.
- u! C9 N! m3 S) @' E# U  N4 [For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
& o1 r; b  f9 R8 IA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
) O$ b5 [5 h2 U0 D' _- cThe 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. ; O. ~! a: w* r) r9 C
but the value of their assets did really drop significantly.
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& \* p  W, L. g" ]* T7 y[ 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
7 P' s; w2 V8 I: G* }Refer to last example,
8 o, y% |, H5 y" [, Pthat means bank A have no money because we borrow 10 dollars from bank A
& t5 f; H9 B% L, |/ x! s( _Because bank A doesnt have enough cash on hand
% m% H1 \3 w" I% ~3 xtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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( n, v5 k; |7 @A->B->C->D->E
# t4 _+ [5 t. eso does it mean if E failed to pay D,
; T$ [6 p% i4 p1 Nall 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,
+ Q6 N, f" p% Q2 l8 u0 S: zin this case it doesnt really matter how much money is created,
) s* p, F5 d' v! K3 Sit's the problem of the debt itself.) V7 y( F3 g, M+ L9 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
2 Z9 L' Q* W3 Q" l2 r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...3 G; j% [/ v) A& x' {  m; v8 W
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敬請各師兄解答$ T/ i; O3 c+ K5 U/ W2 A% h4 w
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Thanks
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那些根本係 紙上財富  
. j/ l6 }$ _* D% T6 g% U5 e& K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$ ^5 e- o; O7 ?; K$ s" l

3 ]; }" ~' h' v6 ahttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
3 Z9 o; X1 u- S. W$ ]當經濟好,投資銀行相信會賺錢, 物價既估值相對較高1 G+ z' h7 D1 u' h2 ~# p3 n& R$ b
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
0 n0 x+ J3 [7 N8 `9 D個件物價係市場好既時候升, 例如15%先算,變左12蚊啦. {( J9 s/ V" D, _- u
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,  E2 Q" x& s: k: R8 S
計番回報率就已經係50%,所以可以好好賺
6 o  a* _& S3 x. ?: d, O前提係銀行之間要互相信任先可以咁樣借法& ]) P" s# Y# `! [3 o# Z0 x
同埋個市場既前境要係好先得
' a3 z3 I8 q: m1 o; [, b7 K! p但當經濟一差,公司估值趺了,物價不升反趺& n, l0 j. g6 Y/ C* m2 w
例如剛才說10蚊的, 趺到得番9蚊, ; E, v/ f* l8 S
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%1 @6 B* q, v; A9 K  Z! U( P" \
所以你就會覺得D錢好似蒸發哂咁0 y, @% |- j  v3 |3 N/ Q

; v1 r) u( d) I5 D+ U' {你都可以當標野咁諗, 個樣野多人可以狂升值,
# Z$ P. X& G4 s" m& o  M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 @. O2 i& I
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 9 v* e( Q& v6 O0 K( P: G- 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! j$ T( Y$ k6 [. I# I) W% U6 Z
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: d5 g3 }+ N# R  s
唔係d錢蒸發, 而係比美國佬洗晒未來錢, 3 Y0 V8 r( S8 T/ d+ `& Q
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
! |. f1 o& C( X/ p! G9 ~1 |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; D' ~# X, f) G+ @9 t  o; M7 q
咁你話d錢蒸發左去邊? ...
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1 D: Y. L  {6 w$ [正係咁樣
) F6 I" S& E4 \& z/ @/ F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 S% @: X6 v0 T8 E; ?3 `% ~
分分鐘佢地唔使還錢
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! b; d6 I" n3 ?( a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,& f9 M% N  k& [/ r6 b1 {
連國家都係問人借, 不停發債券, 印鈔票4 ]* R. y- q# s) Z; A% O. Z
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產% N4 I5 d! ~+ F0 G& `& k! Z/ R4 t
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
5 z1 b7 L# @# [; Q5 {咁而家"爆哂煲"算唔算先至係變番"正常"???
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6 R+ Q" J) \3 O% p其實係...
& V# O! H4 ]. R2 o% z! v, j' D因為以前未生產, 先消費) G5 b3 ?- M. X; u; D% t( c- g/ A
而家就要多生產, 少消費
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