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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
7 y4 v  N7 ]5 L3 J, h  w! r+ Q. XWhy bank will sell 借據給第三者???
5 f5 j/ u0 c( \" xI was so confused.....
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& H' j; |, p5 C5 i  u講到尾都係賺錢8 {1 v/ w4 N8 g7 Q: c/ z
so銀行可以不斷放款
$ ^) D& }& o' f8 ~美國的房貸問題散佈到全世界
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mortgage loan 1 u' X. v# ]. m+ [
>conduit8 l/ z" Y7 `& W6 z3 j
>RMBS(Residential Mortgage Backed Securities)( a' W$ D5 P1 h$ u/ X9 N0 Q
>arranger7 P- P/ v8 W. @8 `
>CDO(Collateralized Debt Obligation)
+ Q* P4 T$ v, n) N9 y3 h  U, P最後去到投資者
i thought it is the reason of rate of return.- B3 D" K7 X5 M3 {3 ^8 k
CDs could have different ratings, AAA -> F,
! p( T( D9 T# _8 Kmore risky ones would have higher premium (interest rate) as a compensation for an investment.  `; \9 X5 e+ G7 D$ O/ \
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,8 V6 w2 n3 R% Q7 D
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.3 a0 B- n& V4 y/ m6 S
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
9 a5 t7 x) E# H7 m) osimilar to bonds, CDs trading in the secondary market have different value at different times,
9 g: O& x* v. [$ {: Knormally the value is calculated by adding it's principle and interest. , @3 E" T: [" x
eg. the value of the mortgage+the interests to be recieved in the future.   T) x: }, Q" G# }8 U4 e( U
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.
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im not quite sure if the multiplier effect does really matter in this case.
6 j; }7 V4 V; X' Q: A+ T6 g/ |/ Iin stock market, it's the demand and supply pushing the price up/downwards.9 [9 w, n% M5 g
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,; j1 B( U5 G* U, M3 ]( F$ Y
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.6 |& H) }2 u. ]" B9 y, z. |
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. 5 Z7 \. L3 f8 E  R/ |- m
but the value of their assets did really drop significantly.  L* K+ z: ^8 P6 _
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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  K$ C( _+ |. B3 ]5 u9 a; R# D: Q6 n
Refer to last example,
$ Z& \' m* `. F& |" V" Y8 _; {4 \that means bank A have no money because we borrow 10 dollars from bank A 9 ~# O! {7 R6 [. N$ s1 k
Because bank A doesnt have enough cash on hand
# V: v7 P9 ?/ {9 q* f; Htherefore bank A need to be bankrrupt ??? Am I right ?? ...
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$ a' w$ \- L; e- w3 W4 `A->B->C->D->E/ U/ x% a% M3 Y0 c- {
so does it mean if E failed to pay D,
* z* {% ~$ l# Z3 vall the B,C,D,E have to go bankrupt?4 q- W5 A1 M7 R( D

8 r  [( V$ a! V" h* m0 s; |' K  k
* q! |. `4 Z# c. x% ythe multiplier just tell how much money created in a whole economy, 2 g5 G% T7 }  [" v0 U; `
in this case it doesnt really matter how much money is created,   u; w9 ~6 k0 }% \+ i
it's the problem of the debt itself.' Y4 r' }- F! B8 F$ f
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
5 Y, P0 m8 D. k- A" N1 Q5 |1 Q3 o; Z4 q8 I6 @小弟一直都唔明...' L$ a& u* p9 \7 {& z) A4 y
7 w( N' _4 g6 V+ W  Y$ M
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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敬請各師兄解答5 w$ a0 N8 S; O; X3 o  w
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Thanks
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那些根本係 紙上財富  - N: H* d) H* ^- C5 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 graphic0 r+ A, y% L! G

# u! n! t' T7 e5 A5 m* T# H( s, Phttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產6 G: u3 `& v0 j7 u! ^* D9 A
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高0 c; G0 p8 H  T" U3 V3 ^
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
; _( p9 q, H4 y& d# g- [. }個件物價係市場好既時候升, 例如15%先算,變左12蚊啦6 n, y& n# O& s& v# G& a- w4 J- ~
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
: L- }2 D( C' s! K計番回報率就已經係50%,所以可以好好賺! W) P5 x2 V: h4 C& _" [! [% q' t# {
前提係銀行之間要互相信任先可以咁樣借法5 G! x8 s) n, L, K* w  R3 i
同埋個市場既前境要係好先得+ g% f  c3 H# t' E$ s
但當經濟一差,公司估值趺了,物價不升反趺  Q, m$ Z. I8 g' n* \$ ?
例如剛才說10蚊的, 趺到得番9蚊, 2 `  \  E" N- `" j# ]7 q3 c
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%% ]' b3 f0 z% |8 o. S7 w
所以你就會覺得D錢好似蒸發哂咁- y3 v! v* u0 @/ n. Q

* y/ h. D0 L! q* G9 @你都可以當標野咁諗, 個樣野多人可以狂升值, ' @4 I8 S- e& Y$ i4 d/ _
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, " n0 d; n2 h1 j/ g1 g  \4 ?% P+ ^
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
3 A& E* |, b3 f! ~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
# k  y! Z9 T8 o7 @4 M7 D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 a+ V) p; n# }1 `  ]: j% ^0 l唔係d錢蒸發, 而係比美國佬洗晒未來錢, 9 P$ s& k; S  {2 d1 R
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
+ B- @* H* ^6 v% l. [9 O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 K4 s) x( o1 O( L4 j咁你話d錢蒸發左去邊? ...
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正係咁樣+ J( D, {2 q+ j4 S6 C! [4 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0 k0 y: p2 y& `! F. R8 p( O+ A1 U
分分鐘佢地唔使還錢" T# ?/ c" W. p' d1 \9 k5 p/ ^: \
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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,
; @; j# C8 d+ B( t5 u. {# Z  V連國家都係問人借, 不停發債券, 印鈔票
2 O) M4 H  _: e5 D一個國家好少出口, 而又大量入口 ,反映到佢唔多生產- }- \5 Y# p4 L) F, A; k5 n1 \$ ]
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
! V. b6 |+ m  e% c. q咁而家"爆哂煲"算唔算先至係變番"正常"???
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  Y3 E! S0 L( a/ R& J其實係...
, l  _3 R! n& g3 d$ H! r因為以前未生產, 先消費
+ u% r6 m' k- w+ r- v1 C而家就要多生產, 少消費
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