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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
2 h" r1 c+ G! VWhy bank will sell 借據給第三者???4 e+ O. c) i7 M. a
I was so confused.....
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. }9 D6 m9 m8 ~6 D+ k5 K講到尾都係賺錢9 u# ]( M, s7 @5 H5 L" |/ N5 `
so銀行可以不斷放款  z8 N# o4 \+ `' I2 y' U
美國的房貸問題散佈到全世界* ^" n0 x% s1 |
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mortgage loan / q' E% w  e6 g4 ?8 Q/ M, N0 C* D
>conduit& D3 K, f  Y3 v4 `7 X, d  l. L
>RMBS(Residential Mortgage Backed Securities)* N! B8 V6 t, z! N3 C' r0 y
>arranger* |* F2 W" k% n" n1 K5 V
>CDO(Collateralized Debt Obligation); @; ~0 h) Y4 y& Q
最後去到投資者
i thought it is the reason of rate of return.& ]; J, q# }. v" V3 F6 V5 R
CDs could have different ratings, AAA -> F,
. J. B( T2 |9 F8 N: Gmore risky ones would have higher premium (interest rate) as a compensation for an investment.
$ Q* x# X8 v1 ]  \main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,, A: n8 z5 l" Q( p
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.% r: W3 ^- {0 g/ \0 b6 F& D
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.+ I) k( ?9 Y! y7 j1 s* M
similar to bonds, CDs trading in the secondary market have different value at different times,
" Q4 U: x0 }4 ?4 Z4 @9 v# ynormally the value is calculated by adding it's principle and interest.
; n; Z9 v! y, ~) z4 ceg. the value of the mortgage+the interests to be recieved in the future. 9 S# S' X% H7 f3 a* p8 w. J3 e
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.
" T( b; f1 i7 [# o, Z0 j* W7 fin stock market, it's the demand and supply pushing the price up/downwards.5 ~- {( d6 s% v2 Z. t9 V. j
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12," T1 Q3 u  }3 Y2 G; x% r
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
7 d; s5 h8 `5 M' L0 R9 W" G7 VThe 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$ G) u5 m9 r1 Wbut the value of their assets did really drop significantly.4 t& f, `; B/ T  r" \

( J: D5 w/ K0 w4 ]( R[ 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
, d+ z# u$ M( URefer to last example,
5 O: C9 G5 o8 ]# K/ m; u6 Wthat means bank A have no money because we borrow 10 dollars from bank A
) I) ~+ `, o* S, YBecause bank A doesnt have enough cash on hand
$ Y8 H& n2 k0 c% z% m% Ntherefore bank A need to be bankrrupt ??? Am I right ?? ...
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' \0 w+ E0 W) o  |' P% r; BA->B->C->D->E
( g; V% V( x- Tso does it mean if E failed to pay D, 9 r* b, z9 d; M3 v
all the B,C,D,E have to go bankrupt?1 z. m  j2 r: S% [0 y  c9 @
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the multiplier just tell how much money created in a whole economy,
3 u% U/ E# G( a& C2 k% z. M! O% sin this case it doesnt really matter how much money is created,
8 B0 t0 Y+ P' \7 G1 q5 Sit's the problem of the debt itself.' P$ x- z3 z6 M+ A/ n9 R
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
3 P5 L% E! Y* z小弟一直都唔明..., S3 o; b5 ~6 R& D8 ]

8 `5 O' Q# ~' y; d3 s% W; t全世界都蝕錢,咁邊個賺緊錢呢?; u2 c( ~5 T& v9 w0 }8 l
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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
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Thanks
- r9 w# g+ w: ]! R" j1 Q那些根本係 紙上財富  
  ~5 a* m* @' Y6 U6 E: @- o& g" M; s0 \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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5 U8 B9 r6 r- A- W* lhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
: x" W6 u+ @0 p; B8 [# O當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
# J9 H+ S" g0 Q/ 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
0 u0 s1 F$ ?, c7 j" B個件物價係市場好既時候升, 例如15%先算,變左12蚊啦2 Q! S: m, d# M& y% b: }7 Z3 c
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
: f4 W8 A# X3 R+ W5 A計番回報率就已經係50%,所以可以好好賺% m- i6 `, W3 N
前提係銀行之間要互相信任先可以咁樣借法/ u1 U% s9 r& B
同埋個市場既前境要係好先得- Q4 T! e: x: B3 K4 F! W8 H; Q4 ]
但當經濟一差,公司估值趺了,物價不升反趺
8 ~; }/ E' s# G( Y5 H5 b" Q" h例如剛才說10蚊的, 趺到得番9蚊,
" h$ g- R7 ?* k咁投資銀行一下子就要還11蚊, 一來一回變左虧200%7 C* M" k+ J% w; K2 F* E: [
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,
! d7 H: M6 G2 J& b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,
0 I8 G: [0 I# f, E3 E: Z3 g淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
4 h, f) e0 i. h+ y0 a* j9 ]9 F+ s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
1 W- b; x, @# K) G" U( [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$ u6 I0 q+ w$ r2 ^0 y
唔係d錢蒸發, 而係比美國佬洗晒未來錢, & u7 t" Q0 |5 V. J7 G
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, % A: j. A$ B: M) k' {' 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- O7 x! i9 W) w- a) p8 `
咁你話d錢蒸發左去邊? ...
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正係咁樣
1 r" ^: {$ t& U* A5 H. j8 Y& J: i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 _/ v/ z+ C; P# z4 k( X
分分鐘佢地唔使還錢- Y3 E5 B  ?7 ^' V; r" B# ?: G

: o4 f6 U# B  Q5 Q& ~% S9 T; ^1 N% i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,1 y+ m" i( O* \* ?/ v5 J
連國家都係問人借, 不停發債券, 印鈔票
  A7 f2 \9 N2 z8 K& h一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
/ z7 g7 L7 S& ]1 q! @( f" D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
, s4 H( D% Z5 _咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...- W& o; t  p' t# K
因為以前未生產, 先消費
* B! O0 q$ f) r7 q而家就要多生產, 少消費
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