<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?
返回列表 回復 發帖
原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif6 t' c" A, d: i+ S( j- T
Why bank will sell 借據給第三者???' Z- F8 g  U3 v' N% m8 L% M; n
I was so confused.....
# l9 ?' }; x2 j2 h

+ W7 {1 Z1 C) d, k* M講到尾都係賺錢
+ s! H; I, f% yso銀行可以不斷放款
& \1 Y# o. C! w2 S* A, A美國的房貸問題散佈到全世界
; j" e" K1 J% F1 O/ q8 j: B8 g: U5 B! n
mortgage loan
; V* l& E; B0 q4 H0 w" N>conduit6 [1 l# M+ g1 @. L9 n1 W" C
>RMBS(Residential Mortgage Backed Securities)' a$ I; e* z! ?& B
>arranger
0 J/ n' P) |. d( F( q5 R>CDO(Collateralized Debt Obligation)6 @5 G3 X5 y; q9 G: T* Y. g
最後去到投資者
i thought it is the reason of rate of return.
0 m( c/ O! K' @CDs could have different ratings, AAA -> F,$ i! G( h& e- D& y0 O
more risky ones would have higher premium (interest rate) as a compensation for an investment.) |* P+ T: o- Z
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,( Z( f& c( P& A+ [6 I! n
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
7 @$ N- p" K; p; n# Z, R# ?Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.4 B, q4 ], ^. w+ x' t
similar to bonds, CDs trading in the secondary market have different value at different times,8 n5 q$ G9 [- \0 T. s
normally the value is calculated by adding it's principle and interest.   g$ w8 @6 o9 N, ?& [- l
eg. the value of the mortgage+the interests to be recieved in the future.
! I$ W5 u. P) O7 B- G: M" Hbanks 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.
; i6 ~4 }9 K: S9 o0 o9 z% t7 s& U. t- c& _! m% T, j) X
im not quite sure if the multiplier effect does really matter in this case.3 |1 Y, C0 I% o0 w6 c
in stock market, it's the demand and supply pushing the price up/downwards.
1 V/ ^) R( z1 `* dFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
" V. V. I  ?6 u, U; E- t5 zA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
* P& T$ ~" L" p3 u: LThe 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.
! C* k7 Q5 f! ~+ I- V: ~4 a/ Obut the value of their assets did really drop significantly.- y& z' }  ]) X6 ~

( d0 V1 U- B" H$ ][ 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
$ H- h6 Y, ]# ?- }Refer to last example,
% \5 W4 J; i6 tthat means bank A have no money because we borrow 10 dollars from bank A
/ q) Q5 V$ S0 y  s3 E' D1 t+ mBecause bank A doesnt have enough cash on hand - n7 g+ {' @" a$ L2 g) b5 C6 I( `
therefore bank A need to be bankrrupt ??? Am I right ?? ...
6 ?% E8 i$ q  [! R& f

( ]3 ?: m: i" R& \! l7 l, ~
$ `3 Q9 ], Z( Q) oA->B->C->D->E
' D( @; s+ {0 ]! W6 f- aso does it mean if E failed to pay D, ; d# _6 S3 F/ ]8 P3 V$ h/ [8 F
all the B,C,D,E have to go bankrupt?
, o$ X" D1 v# O  F
' M/ a) |! _0 ~& k4 u4 t( f
2 Z  A2 _  S0 _( q; [the multiplier just tell how much money created in a whole economy, , t4 e# x# M1 v
in this case it doesnt really matter how much money is created,
( }- T  `% e9 m; w7 P' S7 Y8 Uit's the problem of the debt itself.6 s* Q6 J" q. N, o
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.gif3 _+ e- e- r7 J* i
小弟一直都唔明...# F) O6 ~* h% n. P7 B% y! A

& D( R% x- Y8 q: q! v全世界都蝕錢,咁邊個賺緊錢呢?! \, e6 s2 N5 D# `2 c: o* z

2 ?  W) g9 o2 X% H# Z無可能淨係有人蝕錢無人賺架嘛...9 W8 f! g( o6 k
, ?' ^' A4 o. Q4 p8 z
敬請各師兄解答
, V/ v+ |7 r/ T. Q% [1 C! Z% \  w& t/ V
Thanks
' P( q" @: [* H; h+ o1 [
那些根本係 紙上財富  
- H5 D1 [4 q# g' v4 d9 U7 |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
1 q, e4 d$ K& T' I6 Z0 z" h) _& Z0 }/ ]7 n
http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
4 v! g9 w( d* X* B2 R! }/ o: O當經濟好,投資銀行相信會賺錢, 物價既估值相對較高: G; Q8 ^* }0 ?8 B/ |
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9 j7 [3 T- s, D  Z7 H
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦% Y/ q; [( S4 x; ~# \
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
7 e9 ~5 S6 Y% [計番回報率就已經係50%,所以可以好好賺
3 C  S6 c  @" p  ]/ {- k& p前提係銀行之間要互相信任先可以咁樣借法0 W( m, c, b( \) g# B# i. n
同埋個市場既前境要係好先得- `9 }3 G1 R- j/ q( w
但當經濟一差,公司估值趺了,物價不升反趺
( Z8 l2 G4 i7 _$ D3 ?( x例如剛才說10蚊的, 趺到得番9蚊, / R) H0 i2 B+ L- d4 G& Y0 e
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
  W9 ?: a; ^; f( k: {% b* r所以你就會覺得D錢好似蒸發哂咁
# N/ ]; I, ~- V8 j9 }5 |4 V
, i7 W1 r2 o  l2 \- k你都可以當標野咁諗, 個樣野多人可以狂升值,
, h6 @; o. {/ s1 V4 C5 C% N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,
* \# C9 y: m$ s' C& j淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, & ?+ ], [/ n" K
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
5 |" L0 Y! ^2 ^+ S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.gif2 l/ k+ E; Y9 z6 {; W
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
4 s0 _6 a2 r  v! |' K4 p1 G9 q+ N淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
7 s% b2 D' _3 \5 {+ P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
" Y  h/ m! x. H% M# Q2 ]# l* S咁你話d錢蒸發左去邊? ...
) s  a2 l6 V9 k7 z: k7 w2 _1 B0 o  {9 {; o4 W' U
正係咁樣0 ~  N/ q# c& w" S8 V
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
2 }2 N/ }1 V* k" o. g分分鐘佢地唔使還錢
* \; d2 r: x* H0 p0 G$ B9 S, T& d$ Y# t5 q7 m
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,
2 r% j! y* e  W) n- i  i/ H* F& x# v連國家都係問人借, 不停發債券, 印鈔票3 C8 z( [: J0 N" Q( Q( c
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
. l7 z' h! D/ H- C7 A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
! M8 q+ ?4 [& o2 K+ ]% O! K咁而家"爆哂煲"算唔算先至係變番"正常"???
2 w' T! \" S2 j& e

2 E& j6 V4 e; Q2 {% O其實係...6 a0 L9 u$ U* x0 T7 H- H+ u# x
因為以前未生產, 先消費
3 @4 b; N5 y/ t: n而家就要多生產, 少消費
返回列表 回復 發帖
<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?

重要聲明:26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作,26fun.com對所有留言的真實性、完整性及立場等,不負任何法律責任。而一切留言之言論只代表留言者個人意見,並非本網站之立場,用戶不應信賴內容,並應自行判斷內容之真實性。於有關情形下,用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限,故不能完全監察所有留言,若讀者發現有留言出現問題,請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言,同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論,敬請自律。本網站保留一切法律權利。