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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* z& h- U8 [( A6 k
Why bank will sell 借據給第三者???
. T8 I& y' P3 Y6 `) rI was so confused.....
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講到尾都係賺錢) r+ N3 b% ~# W8 D
so銀行可以不斷放款
% o2 l  Y  \& O美國的房貸問題散佈到全世界  |9 F" [1 T6 i' d' e5 s2 Z/ Y( t
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mortgage loan % h' F9 }6 K3 i( ?: w" n
>conduit
; {# K" S4 N' I0 B/ z0 g5 A1 Z>RMBS(Residential Mortgage Backed Securities)
4 |: F2 E' q; }: ]>arranger
: k  a0 Y5 R9 h0 k7 g8 K% g>CDO(Collateralized Debt Obligation)" i3 \1 A* P) G& d: i' b) ?
最後去到投資者
i thought it is the reason of rate of return.
5 c# s7 W/ _: {6 uCDs could have different ratings, AAA -> F,
5 V0 G, b; P+ M+ b$ imore risky ones would have higher premium (interest rate) as a compensation for an investment.& m( `) b! \- l& t. d
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,. ^9 g( k2 h) l- _. T0 D1 |( [& e
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.$ T( b% {! F# D6 O) p, b# }! y
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency., A7 B* i8 f7 P9 Z( _
similar to bonds, CDs trading in the secondary market have different value at different times,
  c1 q+ w" M) i. {3 ~% v9 bnormally the value is calculated by adding it's principle and interest.
) S& S. x7 z" ]( c* b# C) leg. the value of the mortgage+the interests to be recieved in the future.
8 p' @' ~: ~8 U1 Y) Z6 l% ubanks 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.9 }  R! d* l, c5 Y# H

0 w- f7 \' A) G0 V' F4 Nim not quite sure if the multiplier effect does really matter in this case.! Y9 c. r2 r/ W4 m; W8 C
in stock market, it's the demand and supply pushing the price up/downwards.
& `$ D+ e; E( k0 @7 pFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,1 `7 v) U9 X2 G* x- {
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
% s4 _0 r" Y* W  L  _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. * N* Y$ z$ Z8 j0 W, Z; r4 C
but the value of their assets did really drop significantly.
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8 v! h$ ?5 b0 Z0 c0 N, x7 f. {6 r8 Z' W[ 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.gif4 Y4 R1 y. T4 L! l
Refer to last example,
0 e7 q8 |6 p. U6 othat means bank A have no money because we borrow 10 dollars from bank A 0 ?. I+ V# y5 |  p( N6 c
Because bank A doesnt have enough cash on hand , D9 M( ^# Y8 H7 b8 |, q
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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9 X& ]% B& [& p7 n, x' @A->B->C->D->E0 G6 Y* ?$ v2 U! {
so does it mean if E failed to pay D, ( B( H: b- q/ c0 j3 q  [( @! D) c
all the B,C,D,E have to go bankrupt?, V* }, W( Z1 p) h% m4 H+ d

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  ~6 V- Z; [* V( e! y4 e4 _, r, }9 q# lthe multiplier just tell how much money created in a whole economy, 9 o; h# t% P0 M2 E) x5 @7 O2 G
in this case it doesnt really matter how much money is created, 3 u% P' Q- g% N
it's the problem of the debt itself.2 I- j& S) |2 V+ m; g" g
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# @6 P+ K# Y# Q! _; Z% o# Y
小弟一直都唔明...: O$ t4 {* o4 G( j% j- u) S! ]
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全世界都蝕錢,咁邊個賺緊錢呢?
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無可能淨係有人蝕錢無人賺架嘛...
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2 s1 O+ a6 F# u/ R& s敬請各師兄解答$ ?- h, w4 a6 c2 E

& ~* ?4 b1 b# |& n0 xThanks
9 `' u. l* C- U0 R4 e4 ]( K那些根本係 紙上財富  
& y4 X3 s( F; t, y3 |8 d9 q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% Y- X8 M$ l4 o# u9 H
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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
. A$ t" j0 c1 k6 M當經濟好,投資銀行相信會賺錢, 物價既估值相對較高+ ~9 `9 _  N2 Q0 J
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+ l4 K$ g9 k9 O$ |
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
' ]3 C' e$ P# e/ u+ S扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,! Q) L( N8 t7 t. p
計番回報率就已經係50%,所以可以好好賺7 l1 c& d6 f' I; s
前提係銀行之間要互相信任先可以咁樣借法1 D5 L) e" g3 z/ V) }
同埋個市場既前境要係好先得
& X7 i" L5 k$ y, p& `但當經濟一差,公司估值趺了,物價不升反趺
  k3 l. h9 q& z- o0 E7 f; ]$ Z1 W例如剛才說10蚊的, 趺到得番9蚊, ; [- b* D0 {4 Y3 W2 \0 X
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%2 `! y$ x$ _, A- C- G0 \/ x
所以你就會覺得D錢好似蒸發哂咁/ @" R; [( }6 m0 n
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你都可以當標野咁諗, 個樣野多人可以狂升值,
8 x0 n% h/ f7 S% N, {+ J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, ( R  C% y, A! X' ^6 b( r: D5 U
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, / n& m- Q: r2 N0 M! x: J9 K: Y
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" E8 f  d7 T8 ?' c
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$ f0 a1 R. N5 K& x' S; p
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
! f2 \  q+ @( p9 I/ Z; A; J$ G: i% c淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 6 v! C" o- s% V0 u
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8 i5 q+ J$ x- m  S1 U% v! y* _
咁你話d錢蒸發左去邊? ...
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  w* O1 j( h0 Q* S. X2 U7 h! @5 O正係咁樣
. W- `1 h, k- b6 G+ V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
$ b0 J( {0 S; H; V分分鐘佢地唔使還錢1 m, P8 m0 q- o4 q- z( x: @" W, J

4 r, K+ h. [; n8 E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,
: Z8 |( e& O5 n" u& n# J9 ^連國家都係問人借, 不停發債券, 印鈔票
/ Y* ]. x& E3 g% }4 g一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
: u* t' K) Q' p+ D" x$ @' 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.gif
# `0 v- @7 h0 H2 s$ ~( x; S9 F0 I咁而家"爆哂煲"算唔算先至係變番"正常"???
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' n0 ~% O3 x& }! c' S3 Z7 _0 ]其實係...* ?1 Z; M& j. V  a
因為以前未生產, 先消費
3 o" v( X4 X/ }' s, H5 [而家就要多生產, 少消費
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