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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 e' w7 m: i- I* Q4 BWhy bank will sell 借據給第三者???
) f7 X9 g4 t) |/ _7 c7 RI was so confused.....
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講到尾都係賺錢
  Z* r0 o/ x2 L4 bso銀行可以不斷放款
8 Z- w  n$ g7 Y) I  Z- Q美國的房貸問題散佈到全世界! b' z8 g( e9 c

( ^, G8 f3 y  n" M8 c! h( U0 `mortgage loan
* m: r9 f8 G* E>conduit- {8 C/ Y( H& }) ?' m# q
>RMBS(Residential Mortgage Backed Securities). c8 a4 C% r* ~4 l1 o( u
>arranger
: K& x1 o) z& M* Q' g2 y& D: M>CDO(Collateralized Debt Obligation)
: z5 _+ I& s/ l  L& T% \; N最後去到投資者
i thought it is the reason of rate of return.$ ]; ?8 ^0 x  G4 M
CDs could have different ratings, AAA -> F,
; l4 M, R, _. Y6 pmore risky ones would have higher premium (interest rate) as a compensation for an investment.
- {2 B5 X" _5 v$ N3 hmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
) b2 Y3 b; P0 W. X: Xin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
. B! v7 m0 q# ]* T2 d5 WAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency./ T+ d' P! p0 H
similar to bonds, CDs trading in the secondary market have different value at different times,
9 M( j$ V3 V5 }) G+ |* znormally the value is calculated by adding it's principle and interest.
$ n0 r! W9 |3 e3 Z4 l: d' W* teg. the value of the mortgage+the interests to be recieved in the future.
! t2 z) M$ T) _. }9 r  Qbanks 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.: r; v" w7 O$ b* x
8 ~( B0 I2 z, Z; ]) G& _5 g7 W5 ^
im not quite sure if the multiplier effect does really matter in this case.
' Q2 i( j6 N# Y$ ]  Z; Lin stock market, it's the demand and supply pushing the price up/downwards.
& W, ^, z" B, v* A% o7 l5 |* H3 BFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,* [. b, m/ K( j5 ?: `& a* g% K3 ~  r
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.1 {' u& V" w$ [4 ]* I% W7 A
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. ; a- M, o* S: R  s# F7 P
but the value of their assets did really drop significantly.) {, c9 t# z+ j$ g" ~7 e

- B  e, F3 S6 ^7 c[ 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
  J: M, X5 p6 n4 ~/ I# D7 ERefer to last example,
9 r7 F1 h: d) j1 o" i$ Gthat means bank A have no money because we borrow 10 dollars from bank A
1 n  N5 o& Y4 n+ VBecause bank A doesnt have enough cash on hand
0 W* h( g3 X* z6 Atherefore bank A need to be bankrrupt ??? Am I right ?? ...
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3 k" G! f" n$ I' FA->B->C->D->E( a" t) ~- ?* ~; _: ?6 d
so does it mean if E failed to pay D,
- e4 S3 |  ^1 q8 `) Mall the B,C,D,E have to go bankrupt?
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" `/ M- T: `3 u1 f9 Xthe multiplier just tell how much money created in a whole economy,
  T+ B: H, W2 n. q4 @- kin this case it doesnt really matter how much money is created,
- w* i. g# v. S$ C( O  Hit's the problem of the debt itself.
, ]. K3 ~6 {' Y+ Zthe 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' m* [* Y) R, V+ v8 J' V$ b# D" q
小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?6 O% G' ]( Z3 a3 X" O. H, A2 g

, |4 V6 J1 }2 m& ?& C8 }' q& V無可能淨係有人蝕錢無人賺架嘛...1 _1 e% u4 {0 v/ a# `
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敬請各師兄解答; R' c# v, ~9 ?. {
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Thanks
9 P' B' B+ o  O) C+ B' w5 h那些根本係 紙上財富  0 E1 L$ S! @% 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 graphic
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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1 [0 j# h8 s3 z( v7 ?1 p. n7 b
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
' w! \* Y1 ~( c/ Q, U# x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 e% X+ I" i) P
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦- ]* \; J, Y+ b( q
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,2 H( {7 R9 U/ O! e6 L
計番回報率就已經係50%,所以可以好好賺* m9 [* ]0 X" |7 k; j
前提係銀行之間要互相信任先可以咁樣借法
+ g% @) p# C* T8 G  ~" E1 d同埋個市場既前境要係好先得
9 O$ j$ X3 o* O但當經濟一差,公司估值趺了,物價不升反趺# a/ o+ \$ \$ z# M: @
例如剛才說10蚊的, 趺到得番9蚊,
8 z& u7 ?. }' c* \咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
+ I$ B: K% M! T/ V3 p所以你就會覺得D錢好似蒸發哂咁9 L) a2 n: w3 X  b) |: G
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你都可以當標野咁諗, 個樣野多人可以狂升值,
2 r6 w$ U* i& b; `- ^0 F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, $ g0 P; J7 B& B. W5 V( i
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
, x- p, E$ y) D/ r: n5 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3 Z4 H7 p$ {- j4 m4 ?, b! ~
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" Q# y1 C% V' E) _
唔係d錢蒸發, 而係比美國佬洗晒未來錢, - z( D3 d1 P6 w
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, : o- r. b# |/ r- ]* V% J( F3 W* 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, [9 W0 B$ W4 K
咁你話d錢蒸發左去邊? ...
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正係咁樣# a  v8 s$ g. F$ l) B1 ]- I( T& y( |
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
3 Y( [1 s8 d- T9 t4 Z0 x& G2 J分分鐘佢地唔使還錢
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) B# B5 K5 G) P0 p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,( V* \  U) f4 x2 z; C% m8 l2 D
連國家都係問人借, 不停發債券, 印鈔票: ]) x  ~9 n- t' y: d! Q, U
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
$ z, P( x5 x4 E& ^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.gif5 {0 x! m) @" p% n" s! h; p! g6 z
咁而家"爆哂煲"算唔算先至係變番"正常"???
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8 o' V0 I3 z* t( }$ d其實係...
' q% ~- P! q5 R( E, Z& s% D因為以前未生產, 先消費
7 u# h! n( n; w而家就要多生產, 少消費
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