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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
, }0 Y/ C+ O% C" d3 j& x+ K. t+ ~% TWhy bank will sell 借據給第三者???3 U+ T6 |# @# H) e* ~0 N' B7 y; J
I was so confused.....
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$ w8 s+ b7 x; i& K" s. j講到尾都係賺錢
0 s1 z& P! R. X& M' d( o- {+ X" Jso銀行可以不斷放款
7 P: N3 J5 q1 L- f! Z4 J5 x美國的房貸問題散佈到全世界2 G, l# h% B1 R

+ w: x$ O, _% o( {% F! J% x# Xmortgage loan
8 S! l1 T! Z; k7 |9 M0 \. i>conduit
, m) L6 ]8 x+ p3 G$ T/ d& ^>RMBS(Residential Mortgage Backed Securities)7 _/ r; y) X- l* ~, Y& H
>arranger) H% ~* E4 {0 @% X7 Y' y4 Y5 J
>CDO(Collateralized Debt Obligation)) S4 E1 O8 o, w' I& D
最後去到投資者
i thought it is the reason of rate of return.1 `8 Z$ ~# }+ l) ^( Z
CDs could have different ratings, AAA -> F,
5 I" l, n6 s3 W$ m6 L& O5 j4 _9 Emore risky ones would have higher premium (interest rate) as a compensation for an investment.1 P* I: U. F# ^
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
1 q" p1 N6 ]; Z9 j" Uin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
1 i" K) O9 `( B$ O- k0 {. T7 ]" x0 t+ jAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
$ B* H- b" Q+ @2 u9 E& `similar to bonds, CDs trading in the secondary market have different value at different times,
& Q3 _! D: t8 G+ E' [7 Enormally the value is calculated by adding it's principle and interest.
  S. p, X; Y' m" d" y1 N- keg. the value of the mortgage+the interests to be recieved in the future.   r' Q& R$ `7 X+ Q* v) O# B
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.& J$ M  j+ X) N, f4 G

) w8 F+ t  R" Vim not quite sure if the multiplier effect does really matter in this case.( k- q/ F  [7 t- P$ [
in stock market, it's the demand and supply pushing the price up/downwards.
: K# {5 @- e* y* y8 |2 iFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,, W9 x  E9 c# a' a( z2 N
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
& ~8 e+ t( W1 u* wThe 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. : U3 E" {0 q, M' z' e
but the value of their assets did really drop significantly.
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0 t% k3 v/ O9 M$ E' }9 ~% F[ 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
2 o/ F4 W5 W  e7 b) r2 |% l% \Refer to last example,
0 a7 P/ J  |1 A& F9 s3 G* X$ fthat means bank A have no money because we borrow 10 dollars from bank A - f% [( g1 F/ S( \- q
Because bank A doesnt have enough cash on hand 9 F+ y, Z% F1 x9 l
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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& X4 j+ R- @( B& fA->B->C->D->E' ?: H  P8 n( C) C% m! I0 r
so does it mean if E failed to pay D,
* T0 B% ]- p3 J6 kall the B,C,D,E have to go bankrupt?
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6 d: V' P8 s' [3 W2 \/ |( z  _the multiplier just tell how much money created in a whole economy, ( I, E' V& |) }1 I' q1 w
in this case it doesnt really matter how much money is created, . }6 O  y' n* E
it's the problem of the debt itself.
: o' c+ H. y& D& o0 Rthe 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 l2 T9 q0 V/ h/ a8 o% O! M小弟一直都唔明...* h  ]# H; X' e* x
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全世界都蝕錢,咁邊個賺緊錢呢?+ r' g& I! y! U
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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: S7 B8 \* @% f% e% ^4 l
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Thanks
6 p' u# h8 z  Y" r7 g那些根本係 紙上財富  
/ h; D- c* S: O" v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 graphic9 K4 h: d; X; m3 k/ U# a2 @

5 e7 \4 \5 b0 ~( t5 G5 i) hhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
9 r- m9 |  {) _! }6 B% j2 {7 c& w" h當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
% F4 A$ F" ]7 i' p- v) \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
+ g) ]1 s3 B# a& _# H* }個件物價係市場好既時候升, 例如15%先算,變左12蚊啦; b, n' u( h  i
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
+ @: A: F2 S  y6 I; M計番回報率就已經係50%,所以可以好好賺' ?5 x1 l" {. N+ D+ i, c
前提係銀行之間要互相信任先可以咁樣借法
8 H' y9 M1 |: d/ ~5 }3 D同埋個市場既前境要係好先得
* _, |  L- B' [* L. ~# _但當經濟一差,公司估值趺了,物價不升反趺
: ~$ e( R; s* `- C/ c& b例如剛才說10蚊的, 趺到得番9蚊,
1 D  C/ D7 v1 Q4 z% J# n咁投資銀行一下子就要還11蚊, 一來一回變左虧200%7 [, k2 f$ @/ b( d# ~* I3 t
所以你就會覺得D錢好似蒸發哂咁
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0 J( b( Q$ l  t/ |6 n: U你都可以當標野咁諗, 個樣野多人可以狂升值,
4 z" g- n- g% y8 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,
! x) u6 k$ Q% {% ~9 u2 R淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 0 B" r: }) Z$ p! x
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. b1 a$ `7 @% u, L' l  s% 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
9 ]9 ]; h2 T0 @9 T6 A唔係d錢蒸發, 而係比美國佬洗晒未來錢,
. m( r) ]( Q/ a. [1 ~+ j5 @淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, . {; {+ ^) V* ?8 F3 V4 n2 V
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
- O, P) v) v; \" K$ K咁你話d錢蒸發左去邊? ...
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正係咁樣
' d, c4 l/ }2 g$ m$ m; G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8 w- v; h; G) W- m! O" w
分分鐘佢地唔使還錢+ ~$ \/ @: Y  v0 I8 ~* A

" k: J3 p( U2 @- V4 F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,
5 h/ I& e$ X: o" N. D' I" ]  N" Y連國家都係問人借, 不停發債券, 印鈔票3 Z; S4 G6 C# {! o5 c' L2 H
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
$ i- v+ U  ?* M' {$ i5 j: g5 k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
) z# ?) Y5 e" [咁而家"爆哂煲"算唔算先至係變番"正常"???
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: X( `- x# m; s7 d1 I6 t其實係...  s& Q% }4 I; @' O' K% A0 i
因為以前未生產, 先消費2 ^; P% }9 \; |2 f9 d, Q
而家就要多生產, 少消費
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