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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
1 I9 v' r+ j& T8 w/ C, ?Why bank will sell 借據給第三者???
( I4 b) l: e) r& k5 [& |I was so confused.....
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2 G; Q* E* ~3 Y( @, H& c6 y2 e9 D講到尾都係賺錢
# j8 f3 M# C& {6 H) s5 lso銀行可以不斷放款6 g7 x: t  D" y
美國的房貸問題散佈到全世界
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; j' D0 N5 O' H- }& |. N9 I9 pmortgage loan
5 O- y' L. f9 p>conduit
2 G; m* L  D# g6 F7 q>RMBS(Residential Mortgage Backed Securities)3 o1 P+ I* G6 n: I& \3 I
>arranger
) k; u1 \+ ], B>CDO(Collateralized Debt Obligation)2 [8 J. W; Q$ P% x9 V
最後去到投資者
i thought it is the reason of rate of return.1 L# b2 \- ]% ~+ x3 N  T/ z- H
CDs could have different ratings, AAA -> F,( l* y% L* @0 K- X
more risky ones would have higher premium (interest rate) as a compensation for an investment.# u$ h- k9 g" C
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,; G, m2 T- _- |5 a  {
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
+ I$ K- \! J: w" ?Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.8 i4 X8 T4 O( [4 S+ v" N
similar to bonds, CDs trading in the secondary market have different value at different times,
: u! s" |0 ^/ W0 y3 n1 Tnormally the value is calculated by adding it's principle and interest.
4 O' Q: p. ^' Veg. the value of the mortgage+the interests to be recieved in the future. ; w+ F8 C2 Y$ F6 i
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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' R/ d7 l' R' @* |: h* A% Yim not quite sure if the multiplier effect does really matter in this case.
3 Z# o$ C: {$ L: xin stock market, it's the demand and supply pushing the price up/downwards.
  `% t$ K4 f% k6 C3 I  h( qFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
; n. X1 n9 {# w' U6 FA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.! ?2 w3 R  T' T: c  U. _* y
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. * o" O; ?4 u& m8 O- _/ M& h
but the value of their assets did really drop significantly.2 t$ y( O9 U( N& C

; D6 v6 [5 \9 q, ^4 ?& m0 v6 l[ 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.gif1 \# d1 u' h& D3 g5 W
Refer to last example," j# B! t$ G; U! L
that means bank A have no money because we borrow 10 dollars from bank A " P" N/ x- n/ Y4 p( _) i9 H+ P
Because bank A doesnt have enough cash on hand
$ }5 I0 X0 w- A1 \therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
0 O2 D: b! n% i; q* U/ @0 lso does it mean if E failed to pay D, * K5 [9 p3 J  \: V; J# I2 l& J
all the B,C,D,E have to go bankrupt?
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the multiplier just tell how much money created in a whole economy,
# z2 i1 v, m# m% Jin this case it doesnt really matter how much money is created, , E) `$ w6 E4 ]0 e
it's the problem of the debt itself.
6 W5 j; A) t% B  b6 ]7 B" }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
! d' @4 b4 j6 U) d! ^3 L小弟一直都唔明...
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/ {! U) c. X4 F8 u全世界都蝕錢,咁邊個賺緊錢呢?9 \  F1 l9 G7 g- A) @! j

. {$ t8 e% f- K  D$ |/ T無可能淨係有人蝕錢無人賺架嘛...
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  ?( |. T5 Z8 n/ R5 A* {1 T敬請各師兄解答
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Thanks
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那些根本係 紙上財富  # Q3 h  S* }/ G  m. C' @
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 T" X5 ^) V; J* P3 h
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
# x1 w" k% T; E1 N! W! J  T6 W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$ _% k  J. `" U9 \9 w
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
* w0 g0 [9 e3 I- k扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,& V7 L* J/ O: Y- E- C
計番回報率就已經係50%,所以可以好好賺
* Q7 s. T+ s4 w; w8 `3 ~, w前提係銀行之間要互相信任先可以咁樣借法3 G0 U/ c2 t. B( J) z# y$ F6 }/ w) _
同埋個市場既前境要係好先得
! ^: p1 F& |7 y但當經濟一差,公司估值趺了,物價不升反趺
2 B" {: _; ?+ H9 F# m2 D$ w, L! L例如剛才說10蚊的, 趺到得番9蚊, & ~# R+ F  {( t( p
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%( U) A/ @7 x+ I5 \9 P
所以你就會覺得D錢好似蒸發哂咁' `" t# D7 n% X

3 ]# M6 }; f" l) z* V你都可以當標野咁諗, 個樣野多人可以狂升值,
# A5 r$ w8 m( u; j2 s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, $ w1 V$ m$ g, u3 V$ w& P% y
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
' u, s% Z, j9 f% Z  O5 n3 X' h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
  B, f8 F1 }% b+ e  W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
8 h2 i: f  j. e- D9 }& Q0 ~+ u5 q唔係d錢蒸發, 而係比美國佬洗晒未來錢, 3 g) G6 y7 z( ?2 S$ ~
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
! `4 f+ [' e& H/ h) B( b& {( Z6 |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 V' q$ k" h) p1 e0 V* W& A6 A2 j
咁你話d錢蒸發左去邊? ...
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' I; T5 U# i) j* n* ?$ d正係咁樣9 c0 f" T% H  d; q
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
5 Z; _5 W: n$ C; [3 h" ~分分鐘佢地唔使還錢
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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,0 i4 h3 D% Z( @/ D1 {$ l. g
連國家都係問人借, 不停發債券, 印鈔票
0 c) q3 d2 P0 \5 }. L- W一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
7 e1 |) l# S2 P: T6 w. p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
8 T3 t6 L6 o. p! a: c" {4 n3 v1 E咁而家"爆哂煲"算唔算先至係變番"正常"???
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. Z9 P/ D' a# v  z( W8 g其實係...$ i/ x  Q2 _" D0 O0 b1 O' ~7 h
因為以前未生產, 先消費2 Y4 D2 a' c: A+ P" x- e  p+ N4 b
而家就要多生產, 少消費
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