<<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# b+ H# M% m8 Y& w+ U1 Q5 z. W# `6 q
Why bank will sell 借據給第三者???
- n4 c+ i9 j- [; D# V/ bI was so confused.....
/ [6 x) O1 w1 L) i; X( b! z
# n$ W! ^2 o3 z7 w5 A$ k, h% ]講到尾都係賺錢* b$ d( V& ~# P- Q6 j5 A5 k
so銀行可以不斷放款. [+ V: @8 c. W5 u6 p
美國的房貸問題散佈到全世界2 F+ p/ w3 O  R7 x
& p4 h) F- l, m  @
mortgage loan
; o6 x' `8 Y5 U9 J! j>conduit/ H) Y1 W/ c/ g- m! `
>RMBS(Residential Mortgage Backed Securities)
, B$ D; N9 Z0 |8 g>arranger
* L& z7 `8 M9 Y# X! x/ K- [>CDO(Collateralized Debt Obligation)
: N) B  J$ Z% A; H4 n; M( o最後去到投資者
i thought it is the reason of rate of return.5 J- q' [$ r9 E4 k
CDs could have different ratings, AAA -> F,9 t0 }. Q7 U4 }( }7 m
more risky ones would have higher premium (interest rate) as a compensation for an investment.7 }; N0 P4 x0 j
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
" @" `* u0 B; Z7 lin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
4 b4 X/ J8 Y+ L, L! L! k6 s( p% BAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
; I/ a( Y- G- U0 G) D, W6 Zsimilar to bonds, CDs trading in the secondary market have different value at different times,
: @8 Q: E' {# F; L( H0 Xnormally the value is calculated by adding it's principle and interest. 0 u$ v) o$ x: f: d: z
eg. the value of the mortgage+the interests to be recieved in the future. 8 D- u2 G1 q* j) s, S2 W
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." b& O; x9 ~3 f, x' }

/ `3 ~- w0 r; Qim not quite sure if the multiplier effect does really matter in this case.- U' i; u, G% p/ N
in stock market, it's the demand and supply pushing the price up/downwards.
) I4 e4 I" `! B) O- k0 ~& GFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,' P& @6 t4 P9 n) a( \  z5 S. T, d
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
' c* y8 M  l8 Z) O7 J# j6 ZThe 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. " h! H; l( b2 K6 ?5 M
but the value of their assets did really drop significantly.& r% F/ g! K) k0 r2 B

; _3 B& r6 `9 b4 j[ 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. D+ X" @6 _. E9 \/ o
Refer to last example,, j- C, n8 u8 E! `2 n% g
that means bank A have no money because we borrow 10 dollars from bank A
8 L( z( v* B$ G% }Because bank A doesnt have enough cash on hand ) X0 u5 K+ ?  w2 B+ O8 ]
therefore bank A need to be bankrrupt ??? Am I right ?? ...
- W9 z) h- o+ ?' q: Y
  l  x# M, }7 d; O; I; o/ }& |4 B$ Y5 f. {
A->B->C->D->E7 J  x0 h3 @: V; |; K! g, ?3 m
so does it mean if E failed to pay D, % S5 Y3 ^0 p; K* D1 V8 e1 Z) c; {, ?4 q
all the B,C,D,E have to go bankrupt?* x9 @4 r+ L1 _* H4 i; ]# h
2 P* u  ?( _9 h1 L2 ~

' E2 m, O" J* h) W( S7 Q) othe multiplier just tell how much money created in a whole economy,
( o# p6 m" J( @' ^* R% fin this case it doesnt really matter how much money is created, / R2 x2 J' u* r7 @, o4 ?
it's the problem of the debt itself.& {" x& y$ J# W- d$ ~. q
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.gif0 m5 e. X* K& S$ \
小弟一直都唔明...
0 P- p" V! g" `, L! i$ |
5 O2 E  c6 P6 C全世界都蝕錢,咁邊個賺緊錢呢?- p1 g6 j1 k4 d' X/ I
+ Z2 p) X& _' U6 w  s
無可能淨係有人蝕錢無人賺架嘛...
( G! Y; F' K4 y' G+ \# N! Y9 w' P/ q( A5 B/ C& D) R& U7 q
敬請各師兄解答
$ E# Z+ [. R) q6 Y. o' ^
9 z* Y0 j+ G, J) lThanks
( U3 k6 d; N( P( Z9 j
那些根本係 紙上財富  % _/ ^9 g. E9 B9 c: G4 J
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
* q9 ]% l" V- Z6 e- a1 b
/ L' L: V3 t* {+ l5 Mhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產. Y# O( u4 L* P* y* }6 o" O
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
1 e6 g* J2 M: D. y( w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
' C2 l8 _8 v2 a: ~個件物價係市場好既時候升, 例如15%先算,變左12蚊啦7 c" w! k; \0 ]! Z; L( A
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
5 o# a$ L& Y4 N. \' `4 ]* E計番回報率就已經係50%,所以可以好好賺3 W3 @" b8 V8 D& r1 u" }
前提係銀行之間要互相信任先可以咁樣借法) ?4 p  s5 v, g9 r1 r5 K$ e
同埋個市場既前境要係好先得
0 Q6 {/ e- M9 C+ p# d. c/ i& O% ~但當經濟一差,公司估值趺了,物價不升反趺) i/ `$ ]2 k: r8 v) Q, q  N& x% s, F
例如剛才說10蚊的, 趺到得番9蚊, ) F. U/ A" `6 s
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%* k" T* s, n6 j% R; {
所以你就會覺得D錢好似蒸發哂咁
! z. x/ ?4 w6 {& f0 n6 C' X- U0 u) f+ L" @0 B
你都可以當標野咁諗, 個樣野多人可以狂升值,
( ~+ x4 Y7 t! g2 i- q. ]  c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, . W( y0 U% V( x/ X( p& m0 @' J
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ' f+ X! c: {/ R3 v9 R# I6 J* W
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$ x* A3 p# Q9 y5 R, _
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
9 O/ u5 w6 N; s7 j0 L2 d唔係d錢蒸發, 而係比美國佬洗晒未來錢, - k0 ^, B* D% K* ]' _* q
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 2 Q7 O4 S% \5 B0 Z& b2 W4 y! J% b- k
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
5 a# G! x; `, F: _, Z* @2 F咁你話d錢蒸發左去邊? ...
; ^) k* c3 q  S1 Y
- N9 c; X! D# [/ O* w正係咁樣
& u& K4 c5 {1 J8 G6 p) j7 X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
9 z0 e1 @5 H* u8 P. d# s/ U分分鐘佢地唔使還錢0 Z) a& ]  Q( W% B& e

' B' F, U! |9 b! ~# f9 N5 v+ S, 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,' a. b2 ~% a" \2 H3 e
連國家都係問人借, 不停發債券, 印鈔票
* T- w4 q* _7 F' z5 k4 {/ }一個國家好少出口, 而又大量入口 ,反映到佢唔多生產) n/ X7 R) C9 E- r2 j# C% j
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" r" E  ~% e( s8 J. R
咁而家"爆哂煲"算唔算先至係變番"正常"???
: s1 t9 ~  d) n0 r5 N$ k5 j% S8 x6 a1 s! i9 G4 u& I. i# {+ B
其實係...
, a" k- `9 g# X. b9 A& M因為以前未生產, 先消費
% _, g  t# L" u( h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。