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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
$ B- N" M$ y4 H- QWhy bank will sell 借據給第三者???
1 @7 E& G3 b4 a7 U# k- o3 F+ X* gI was so confused.....
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( I# q5 W. F6 U& k& J; r講到尾都係賺錢
% H3 ?/ |- Z/ r8 A1 Hso銀行可以不斷放款
+ C2 M6 p% f% m美國的房貸問題散佈到全世界. v# X# |6 }/ h
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mortgage loan
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* O* _. S. S- J: n* M* L7 ]>RMBS(Residential Mortgage Backed Securities)% _" B9 J) J1 j7 C: r5 y( n
>arranger$ T# M5 k0 D+ r& c9 j
>CDO(Collateralized Debt Obligation)5 k, V3 q; y/ U3 h/ T- y: ]! s* A- D
最後去到投資者
i thought it is the reason of rate of return.
7 K) q) r& A: E2 ~& Z9 ]3 b6 M3 GCDs could have different ratings, AAA -> F,
' i9 V8 H5 ]3 O' [3 rmore risky ones would have higher premium (interest rate) as a compensation for an investment.
! K  S0 @5 v! w/ U7 F) d+ W: }main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,* ~  u9 Q& O6 R2 f, C: K
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.0 |2 K9 c4 f3 w. L
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency., Q' Y, D$ E  ?* u4 i
similar to bonds, CDs trading in the secondary market have different value at different times,1 u. T. n3 Z# `) {, u6 H
normally the value is calculated by adding it's principle and interest.
; C9 E  y" b1 _3 g. e2 l, Reg. the value of the mortgage+the interests to be recieved in the future.
6 h2 Q' ]& ?6 F5 i9 r2 _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.- v; _9 r7 v) E' k

4 M" _$ B0 N, q/ nim not quite sure if the multiplier effect does really matter in this case." z+ V/ I0 s$ M" u. h9 n
in stock market, it's the demand and supply pushing the price up/downwards.
5 w9 V5 C1 d9 _5 O% n7 M, r  MFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,. q. w5 @) }9 t
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.' t3 V1 P- L% o" V/ B
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. ; s: ~/ j! m9 |# `& E: b$ K
but the value of their assets did really drop significantly.
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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
) u/ J; r8 ~8 a) l- GRefer to last example,6 X* e# {( S  u4 @& `; k
that means bank A have no money because we borrow 10 dollars from bank A
* A$ S2 ?9 S0 q& b) y/ dBecause bank A doesnt have enough cash on hand / _8 [4 m6 X9 d; G3 @/ f, O
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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7 w2 r2 n7 \$ P8 j$ wA->B->C->D->E
" s4 `, H3 n+ L- H6 N* wso does it mean if E failed to pay D,
$ |1 q. x- d9 o8 p1 |all the B,C,D,E have to go bankrupt?
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1 `4 C+ Y6 l% A7 R( R1 K' sthe multiplier just tell how much money created in a whole economy, : Q# d" e( n4 B. o& Q5 `
in this case it doesnt really matter how much money is created,
1 t, Q& h" d% V% X% x7 j, Lit's the problem of the debt itself.9 K. B1 }" W+ x
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.gif3 f5 ^4 s( Y1 T# X) Y/ f
小弟一直都唔明...! D. U- q; }* A, X, ]
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全世界都蝕錢,咁邊個賺緊錢呢?. i: l, X3 [6 X" g* l- @
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無可能淨係有人蝕錢無人賺架嘛...
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" |# \, |' i8 o" s4 m- c4 {$ z% i敬請各師兄解答' ?' e6 O: K8 G5 ~$ K/ d8 X
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Thanks
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那些根本係 紙上財富  
. J: X  D" b0 i& l7 Z+ a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 graphic1 v8 d2 b8 \- ]
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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
6 j, I* @8 t1 N1 s9 m, n" S- _當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
0 D) ^( y* k* z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
/ j+ y: D. A+ X! M個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
# n' Y! l8 Z5 f/ U扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
6 \4 C/ ^4 ]( K, }$ b2 @計番回報率就已經係50%,所以可以好好賺. Y( G1 C4 a* J+ J8 |8 X6 N' I
前提係銀行之間要互相信任先可以咁樣借法
: A! U0 Q% I4 e* X8 q5 X: i) [同埋個市場既前境要係好先得7 y$ D2 g0 x& ?
但當經濟一差,公司估值趺了,物價不升反趺" P$ S2 t- ?( L7 q, Z
例如剛才說10蚊的, 趺到得番9蚊,
  K5 t0 X0 X& C! {7 _8 T咁投資銀行一下子就要還11蚊, 一來一回變左虧200%: x. R4 R- {( z; C+ a: }6 [
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, : |# i- p# x0 q6 H
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 W2 m2 l9 {0 r; U( y7 S
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,   p7 a: m0 j4 Q6 g( s; U: z
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+ e% A! D" [. 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.gif
; Y% Z8 e: r# b7 r5 S4 S, c唔係d錢蒸發, 而係比美國佬洗晒未來錢,
  ~: S; h0 n( t! b4 D淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
, V; w6 C5 z8 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
0 {  [( U4 A) W% j咁你話d錢蒸發左去邊? ...
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' O8 C' K! R1 _* m% A4 U" b正係咁樣( X( ^4 Y, @/ p: o1 l
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  O2 T. Z( E2 Y  O" V0 U
分分鐘佢地唔使還錢' X8 k; c- `# N) C

# D4 @$ N+ E8 `, w% C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,% I: H# C  n: A) t+ B6 M
連國家都係問人借, 不停發債券, 印鈔票2 t3 V( p; q7 U' }8 u
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產- r# S5 l6 w& U) ]+ ^5 O
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) y* ]! e/ U) z2 k* i* q9 _0 f
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係..., u7 l7 X$ [0 `3 q/ R7 |, V- A" x
因為以前未生產, 先消費
8 m3 i9 W2 k9 b; d! @3 ?: P; O而家就要多生產, 少消費
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