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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! u7 f  g4 u! ~
Why bank will sell 借據給第三者???
3 t# m" y! _& [I was so confused.....
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講到尾都係賺錢
3 [9 U% {  d8 O( ?' {so銀行可以不斷放款! s7 G/ B, R- c+ O% }
美國的房貸問題散佈到全世界
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mortgage loan
: r  ~, C8 |! q" p3 P>conduit$ h2 [5 T0 U6 S8 \4 l/ e& _1 ^
>RMBS(Residential Mortgage Backed Securities)
9 n! Q4 x' d( ^6 g>arranger! |$ x7 q8 x& B0 `, j, B* B5 K6 ]3 d
>CDO(Collateralized Debt Obligation)
' S" Z. P' H3 }0 v3 x* H2 H2 O; q最後去到投資者
i thought it is the reason of rate of return.' K$ U5 t; u- ^9 \7 S7 z
CDs could have different ratings, AAA -> F,) P) a4 p' J/ U! y' J5 \( Y: {8 K8 ]
more risky ones would have higher premium (interest rate) as a compensation for an investment.
8 e) K0 h! N: imain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,: c$ f2 U  T! v) P! O) _/ K4 a
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.4 I4 B  d0 w7 A+ m" t# a9 |
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
  U. f; ], y% a0 Dsimilar to bonds, CDs trading in the secondary market have different value at different times,- B( w0 V% O# o  R% ~
normally the value is calculated by adding it's principle and interest.
3 o( A) d# {: d  K& j# I1 N& Deg. the value of the mortgage+the interests to be recieved in the future.
" N6 W2 ^: q4 J+ Mbanks 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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! g* v* k9 d% }6 G  Cim not quite sure if the multiplier effect does really matter in this case.
& N3 ?9 c3 P8 U  _8 A5 \3 M% Y/ Nin stock market, it's the demand and supply pushing the price up/downwards.) |# c( l9 j+ B4 Z- k+ I
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,7 r! h, K2 ^3 l9 u9 |: J
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
! y7 J8 J3 ^' u/ F9 I' NThe 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.
5 d6 X8 v3 S7 A! t, b0 P% {but the value of their assets did really drop significantly.7 g" F- C3 E- S+ o. ^
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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
: w: ], {: l! v3 i$ s7 F% s' P3 lRefer to last example,
) \4 s. t/ H+ v! M& Dthat means bank A have no money because we borrow 10 dollars from bank A
. i) h1 e6 x- H/ \. l7 HBecause bank A doesnt have enough cash on hand : ^' x$ U( I6 K3 j3 }
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
4 P) O. k6 o  A) k8 sso does it mean if E failed to pay D,
7 o4 _7 d0 O9 @; `% b# Iall the B,C,D,E have to go bankrupt?, I4 l  W3 S$ A* E

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4 ]3 j1 q: Z2 R4 h" Z; @1 pthe multiplier just tell how much money created in a whole economy, * k8 g- v, H* K* Y  o0 F" X
in this case it doesnt really matter how much money is created, . u5 A/ J: s( P  F
it's the problem of the debt itself.2 R( U9 x- L/ d$ M; c6 R& Y' M
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+ }& g6 s. s0 \9 R, x% g
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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% g( c$ a: X; m$ U( u8 j! z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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# g4 X( t+ \1 n- \% e2 LThanks
- ?' ^* a9 y- N6 l) M9 j9 W那些根本係 紙上財富  
  g  ]# g. a1 v* p4 d# 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, T, W  E" g. v9 ?- N9 z( k

: {* k( q. A% O* i, ^, N2 Ehttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
9 I, R1 v: B, f% u  I/ @$ J當經濟好,投資銀行相信會賺錢, 物價既估值相對較高6 b9 K5 ~; H6 ~6 p+ @0 K7 H
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
( Z2 u; X$ |7 Q9 Z+ i* d個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
3 n7 [) |" ?: ?' _4 G/ o5 N; c" Y扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
/ C! L5 o  a' p% l' m計番回報率就已經係50%,所以可以好好賺" q8 o2 E* N2 r
前提係銀行之間要互相信任先可以咁樣借法
! N5 m7 {0 n5 ~+ F同埋個市場既前境要係好先得* Q$ N; d. Q+ b
但當經濟一差,公司估值趺了,物價不升反趺& j: e) x! k; D) F) H! d
例如剛才說10蚊的, 趺到得番9蚊, + A# c" v- M% z7 a& _* M" A/ N  B
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%/ q7 ]1 T& }* \3 {  N
所以你就會覺得D錢好似蒸發哂咁
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& r: a- t4 V5 X4 |) J你都可以當標野咁諗, 個樣野多人可以狂升值,
( B& V/ U! ]# h: O$ N' S5 ]1 k* L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, % \0 V6 g7 }" d5 I- X
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, , h% [) k( o; C: D  @! e  b% 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6 e$ c6 [9 w) U5 e
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.gif8 K# b7 x5 i. Z* c+ r' R1 _
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
2 \- T" d$ c/ c淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, * ]! E. |7 C( N2 c
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
1 F+ v% t! c, |: }3 t  [咁你話d錢蒸發左去邊? ...
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正係咁樣$ m6 Q) m1 {2 U, |2 ^0 ^7 F4 |! 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1 {/ A9 b/ R& J1 {$ e& L+ J1 Q2 e7 z
分分鐘佢地唔使還錢( |! E0 \( p' ~  Q$ B

, F6 @3 \* c7 j/ T% f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,  X5 o- T& ^# g  M3 i' P
連國家都係問人借, 不停發債券, 印鈔票3 [8 o( r7 z, Q; _3 h  R0 o. M9 F
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
; q  w  [# z$ P) 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.gif8 Z5 z- A+ c/ H8 D" z& b
咁而家"爆哂煲"算唔算先至係變番"正常"???
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8 Y; b6 k1 e* A4 L1 ?/ P' z其實係...
; ]4 y# {6 R, N* b因為以前未生產, 先消費
* h' p% [. r! c5 [4 Z* |而家就要多生產, 少消費
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