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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
. n7 b' t7 i9 g$ K4 A  {Why bank will sell 借據給第三者???
4 a" G( S( t3 GI was so confused.....
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講到尾都係賺錢
! f. u  f2 @, @* |so銀行可以不斷放款$ Y% Q7 C, [* c, u$ e8 Y5 ~
美國的房貸問題散佈到全世界
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2 g3 N1 z! n2 j3 Lmortgage loan
$ _. L$ w% h- z6 F  \>conduit, q/ B1 H/ J. S  F, B2 ~
>RMBS(Residential Mortgage Backed Securities)2 S. Y: |! {8 \. i8 L( @8 @
>arranger
) p/ ?1 I% X5 R0 S& V% D! k>CDO(Collateralized Debt Obligation)9 A7 @; Z- n8 ?, j
最後去到投資者
i thought it is the reason of rate of return.
/ R# a) d& h) q6 z9 @$ DCDs could have different ratings, AAA -> F,
* [; \; f% c4 e; F& emore risky ones would have higher premium (interest rate) as a compensation for an investment.$ h" J- M: }& N3 b  r
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
. g- h! `( k2 b2 S0 jin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
' P7 Q- ~) s+ j* v7 S7 o, gAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.$ Z# e) A% i5 A- [+ T' S
similar to bonds, CDs trading in the secondary market have different value at different times,. b* l0 L5 |0 [5 `- z0 M: n
normally the value is calculated by adding it's principle and interest.
* f& |; Z* C1 zeg. the value of the mortgage+the interests to be recieved in the future. ; _7 C( t0 q; q- L) {- d/ L' P- Q0 s
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.! Z1 K: A3 I+ c! r% p( U1 o4 }% k
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im not quite sure if the multiplier effect does really matter in this case.
. v2 k3 t2 t5 @# g0 hin stock market, it's the demand and supply pushing the price up/downwards.
8 z- T' P, |. Q0 c1 S: B: i; YFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,& a$ i, C$ i- @! w. N, Q
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.% o: i/ s1 y, U& O) f
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. 7 ~' p0 X3 X/ F4 b
but the value of their assets did really drop significantly.
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$ |& q; x! h  P$ b  H) p# e% a[ 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 r2 X8 X, q8 N0 |3 }, g0 xRefer to last example,9 |* V- o9 W3 t. d
that means bank A have no money because we borrow 10 dollars from bank A
! S) X' O$ \9 n  X) u2 oBecause bank A doesnt have enough cash on hand 8 E0 ^. J% g* b5 p3 L' E
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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! d7 R; u- N7 N. P: y. b" N, xA->B->C->D->E$ A& k/ u( U/ q  ^) R+ E5 n
so does it mean if E failed to pay D, ! y7 g6 m" A! s0 \* h5 l7 X8 S/ k
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,
- q2 u; m% i- B7 o0 p( n; j6 Kin this case it doesnt really matter how much money is created,
9 n8 a% ]% o2 N8 u: Hit's the problem of the debt itself.
- b& u0 x9 m; s1 S( }1 athe 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
1 Z3 B4 {+ P/ B2 x  H% \/ ]+ x8 [, j小弟一直都唔明...0 I( m3 w: m  R5 s/ i- U
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全世界都蝕錢,咁邊個賺緊錢呢?/ `2 H' }& Q; k1 v

  ~2 R4 D3 _& y無可能淨係有人蝕錢無人賺架嘛...8 f0 D5 @. i; ~

" A3 [( E% ^1 @( z( h敬請各師兄解答$ k) r7 Z5 x8 t0 F$ E5 U

4 y* e& c/ d1 s, b4 R3 pThanks
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那些根本係 紙上財富  
1 U2 _3 l& p0 F  ?' c" r% d& [+ b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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http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產, g& Z' p( O8 X- \* R! n$ J' Y3 e5 P
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
* |1 H) M. k: Z! A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
: f) D" X+ l( n8 ~個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
: g# L: r/ j, g$ Y3 Y0 q5 |) q扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
$ G- S/ V# D4 E2 y3 a3 g計番回報率就已經係50%,所以可以好好賺. m; L( V2 @/ {' l! A
前提係銀行之間要互相信任先可以咁樣借法
! A# P5 N7 v2 f+ F6 f% F: Z* |3 C( `3 {同埋個市場既前境要係好先得+ a4 }& F$ ~. ]
但當經濟一差,公司估值趺了,物價不升反趺
2 t( _7 a4 h8 ^+ ]7 k; S2 D% L例如剛才說10蚊的, 趺到得番9蚊,
& |! p( H- l! Y9 O0 P咁投資銀行一下子就要還11蚊, 一來一回變左虧200%5 i; h& I4 I5 [( }2 m+ L
所以你就會覺得D錢好似蒸發哂咁
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你都可以當標野咁諗, 個樣野多人可以狂升值,
9 l6 |/ g3 _4 r1 N9 w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, 6 {3 C: x: X( R
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
2 \3 P& s, V) L! E( |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" S5 W( D0 V$ H4 x) J
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$ O' p& Z1 |% r$ q& R7 a' e0 K
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
' y+ [( |5 ^6 B7 \. l! c$ h* m淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
; s3 B0 z+ k: u9 d$ B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/ }9 _8 ?' ]8 H3 r  }5 y咁你話d錢蒸發左去邊? ...
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7 U: l5 Z4 y8 a7 y正係咁樣; V' U' K$ Q7 R& |( N
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
, n8 V2 H3 h. y; l  B) {# _分分鐘佢地唔使還錢
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1 p3 n: y" p" [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,; Z% U6 f! ]7 B7 t
連國家都係問人借, 不停發債券, 印鈔票* t. Y9 s9 }& P1 Q* k! Y( r7 S
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
" }; M# N: G" e- B4 Y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: \  M, p" ?3 z$ S, Q
咁而家"爆哂煲"算唔算先至係變番"正常"???
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+ @' R2 K1 Y! P! \9 ?7 r8 M其實係...
5 Q' ^% e  p7 Y因為以前未生產, 先消費$ n* R. L9 s3 R) c- L
而家就要多生產, 少消費
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