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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
1 [; x( ]0 x, |1 y/ r9 b: EWhy bank will sell 借據給第三者???
$ h0 B  `1 _* T0 }* C3 {! Q% M+ hI was so confused.....
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" V- p' |) m' s1 \; P  A1 j: U講到尾都係賺錢
3 B1 g8 B0 b% Uso銀行可以不斷放款# k) J7 j( _) d6 l) u7 [( R4 k
美國的房貸問題散佈到全世界$ E. j0 n/ `1 F. Q* a

7 R& m+ L4 n% f. J1 X8 H  {3 u: tmortgage loan - L: p# P! n+ S' L& s; [: o1 W
>conduit7 }8 z, U  |7 l3 N
>RMBS(Residential Mortgage Backed Securities)
, E- W( J9 X6 N0 }>arranger2 B# P8 K) _$ X' W0 i
>CDO(Collateralized Debt Obligation): M1 M0 R/ B  P9 q! c
最後去到投資者
i thought it is the reason of rate of return." {( G+ A: A# o. b
CDs could have different ratings, AAA -> F,
4 Y% t, L" t$ \: Rmore risky ones would have higher premium (interest rate) as a compensation for an investment.
% i  `" r+ H! g, {, W+ q6 x7 {main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,+ B' _- x  p  m+ f. D$ m5 `
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
$ |: u* q7 \/ Y+ ?# _. Z% dAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
3 j/ R4 T! L8 d+ @$ [similar to bonds, CDs trading in the secondary market have different value at different times,
3 t4 W/ R8 A+ l9 a% u3 cnormally the value is calculated by adding it's principle and interest. # z, q# t6 I# D$ q2 d! t
eg. the value of the mortgage+the interests to be recieved in the future.
" c" J1 U3 V) @; Y5 e' H, tbanks 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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im not quite sure if the multiplier effect does really matter in this case.  G" D) q+ H) N7 ~" y+ l
in stock market, it's the demand and supply pushing the price up/downwards.* o- u! X: T  f; h* ~
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,2 V$ w* x% o1 h
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
! t* V' ]% o0 m' V# `( B6 f$ EThe 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.
$ \1 H. t) ~" y- p" W; h! }! {but the value of their assets did really drop significantly.
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5 X, j+ o: {: C" D[ 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
; |0 Q/ Q+ n! A( g) q5 B  hRefer to last example,, ~5 J  N0 W. l) s# `' v
that means bank A have no money because we borrow 10 dollars from bank A 9 C" e3 Z. c- n! q
Because bank A doesnt have enough cash on hand * a/ m  \/ m' `; h7 J8 ]/ `
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
- V' Z! n: L4 W2 M4 F8 l5 Rso does it mean if E failed to pay D,
8 A2 X5 q+ Y  x: v% Mall the B,C,D,E have to go bankrupt?. R$ {5 ]$ i" m% S; i" T2 ]/ P2 Z
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the multiplier just tell how much money created in a whole economy, : P. B& w  Z- W
in this case it doesnt really matter how much money is created, * }7 g! |* E: H
it's the problem of the debt itself." V) w1 \. H3 m7 I$ C3 n
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
* {( h; |: x  @2 A9 a0 x6 `/ ?小弟一直都唔明...$ C: g2 W; q# G/ _

+ H+ f' d* v8 Q5 ?+ Q5 V全世界都蝕錢,咁邊個賺緊錢呢?
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& F: |; A+ ~! u+ t7 G# ~8 A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! u: f- k3 b3 Z! g2 M( W

5 q+ W* U, ~. h* \6 cThanks
: ]  s0 k; M$ X
那些根本係 紙上財富  
% A5 a% G4 i# i. h1 X8 c* o9 P9 B" S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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# |& h5 x, T8 Ghttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
$ x" O. B& O- Z當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
  V! z: b- N! V& ]: Y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
% T" ?* I% F6 E1 u* g9 u  K5 w+ l個件物價係市場好既時候升, 例如15%先算,變左12蚊啦' W9 Q  g; B/ f# H$ v6 w8 T
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
6 {2 `% ~  h& b& r計番回報率就已經係50%,所以可以好好賺+ P3 e; s+ ^! w- Z% x8 X* `- E# K: X
前提係銀行之間要互相信任先可以咁樣借法
) g* `5 C, A$ P0 l- j同埋個市場既前境要係好先得9 G. a& n* W  D/ A0 {& Q; w* p
但當經濟一差,公司估值趺了,物價不升反趺
( d5 W, g! X; u7 t' |例如剛才說10蚊的, 趺到得番9蚊,
2 g2 R6 @. P9 X8 l3 W: }咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
% B1 b" _4 q' O& z8 d/ F. O/ t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,
0 S! S% @$ V2 V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, 3 K$ `- V7 B/ Y: t! |
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
+ S( v; T  h& q3 w5 @% e% 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$ R3 Q8 K* ]4 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
  q' j+ E" e% |) Q" q5 f6 [" h唔係d錢蒸發, 而係比美國佬洗晒未來錢, ! l0 v3 G' R: k8 E& u& W" a
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, : R3 Z% W9 `' Z( x: {% i
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 t' Y' f% Z% h) R
咁你話d錢蒸發左去邊? ...
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正係咁樣
6 \- c3 G  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/ M% C' [# Z7 D- w1 F2 S0 |
分分鐘佢地唔使還錢0 z) r/ A2 t, p( h* Q4 B% @

3 {0 N! e, M1 A# O- w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+ {/ `: `& o連國家都係問人借, 不停發債券, 印鈔票
% V4 {# l1 u- z- i" i. ]一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
/ @: y- H( l. {: R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+ F6 U7 Z' v6 V- }  C6 H7 Y$ ?
咁而家"爆哂煲"算唔算先至係變番"正常"???
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! o& [6 s- J: j1 K! [其實係...
9 i9 p6 p6 c2 C因為以前未生產, 先消費5 p4 M7 L7 Z. {, H- {" w
而家就要多生產, 少消費
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