<<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.gif5 y4 K1 N0 n7 Q2 _  P/ R% [+ I
Why bank will sell 借據給第三者???8 t  W! j6 i2 C$ ^+ ~
I was so confused.....
" q1 `- h, ^8 b+ W
' Q9 e' R1 E+ d% n* l講到尾都係賺錢' y& S7 U3 F5 A4 t
so銀行可以不斷放款/ p, A& O  m2 |
美國的房貸問題散佈到全世界: l! l, K6 p( |

' o( h4 d. ^' rmortgage loan
. D2 p( R! z" v* q; d, A: q% _>conduit
1 c: D5 H- D6 P2 |) H1 r! U4 r>RMBS(Residential Mortgage Backed Securities)
8 t( l5 x! k4 |3 [+ e- z/ c>arranger. ^' I% ]! \6 O; Q6 ~3 y
>CDO(Collateralized Debt Obligation)
5 e/ e  O6 q" [* B4 A. M" |/ U: @最後去到投資者
i thought it is the reason of rate of return.- r- s+ s  h0 {
CDs could have different ratings, AAA -> F,9 y# l6 ^4 c' y! o' G
more risky ones would have higher premium (interest rate) as a compensation for an investment.
) ]5 h  Q2 k8 L8 [5 I% m3 S: `main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,8 B" \# C' P/ |: A% l5 j- F
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.4 ]( U  r% B; P( A
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
% N( y) H+ G2 Z- @similar to bonds, CDs trading in the secondary market have different value at different times,
0 _7 {7 Z0 B: x" [0 U' unormally the value is calculated by adding it's principle and interest.
) Z; |+ m! i) x9 {% I+ yeg. the value of the mortgage+the interests to be recieved in the future.
" L# a# b+ M, R- j( r% a/ k0 Y  d; Tbanks 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.
$ Y6 Q, y' X/ ^, Q- G5 }" p9 p; A0 L( E. G
im not quite sure if the multiplier effect does really matter in this case.
% N6 h1 y( d, b% I  s& V1 G# vin stock market, it's the demand and supply pushing the price up/downwards.( y: k% O- ~5 e8 V) i( H
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
( k$ g: j2 s9 p/ a! VA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.5 A+ G7 Q! j  y) H
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.
2 Q7 E2 g% w3 N4 `1 }3 j( d* Gbut the value of their assets did really drop significantly.
' T( _. Q: n3 N2 D, S( u  D
( l) t: S" l2 Y% y$ _[ 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
* Z- a3 h3 i) y4 ^  WRefer to last example,0 m, E) \# X& e! X, L4 }$ a
that means bank A have no money because we borrow 10 dollars from bank A
! a- _3 c& A3 KBecause bank A doesnt have enough cash on hand " V% `5 @. ?1 p2 ?) G
therefore bank A need to be bankrrupt ??? Am I right ?? ...
* ~& }: d" q$ r  k+ Z: g1 ?& Q( W+ F1 [- b. [& |3 x

3 t& S* M: e! P+ u: v" uA->B->C->D->E8 z+ Y" d6 O* k6 ?2 h) P" A
so does it mean if E failed to pay D, 3 \( b& z# c; J
all the B,C,D,E have to go bankrupt?
: v, E& D9 P( j% g1 Z& x* e- o
6 J; A- [+ q  x6 s- ]# Q
the multiplier just tell how much money created in a whole economy,
4 s9 Z/ _$ P+ t, G2 Nin this case it doesnt really matter how much money is created,
% o$ {8 ]# k9 i: g7 M, s7 t# kit's the problem of the debt itself.
; h% u  m! l  C1 b" Vthe 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
8 k+ S- D9 c0 j- A1 c小弟一直都唔明...
9 p7 A, T# C7 e4 r0 G; u' X1 {
" R# J/ E5 l+ W7 c/ G) Y% {全世界都蝕錢,咁邊個賺緊錢呢?
* w# Z0 t8 C3 {( s8 `+ t! z( `' ?4 c. j$ g* U6 L5 K
無可能淨係有人蝕錢無人賺架嘛...$ h! T1 ~. N/ M8 x' E$ p% t
1 J8 x* X/ N# q# m% J- v
敬請各師兄解答
, C1 G* m1 l$ B. c$ Z( l6 j) e) |# \* E/ L
Thanks
" g4 G- E8 ^4 [7 Z' }5 c  c8 `那些根本係 紙上財富  
- B0 y0 k0 Z  _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
) P9 S7 c% U4 m4 M% X0 h- x
, u2 _( S  V1 f; r1 Ihttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
' @6 Z; L7 r6 M! M8 h. w- y+ h6 O- T當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
3 s/ E$ \9 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
) Y2 X8 j6 j0 n' n3 q* O個件物價係市場好既時候升, 例如15%先算,變左12蚊啦* c9 @2 Z* J; h5 E% v' R% z( P  c
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,% g# t, U/ N8 `0 h7 N  J9 M
計番回報率就已經係50%,所以可以好好賺6 e% E2 c. u" T, u4 b
前提係銀行之間要互相信任先可以咁樣借法- X& a6 K: k( l/ G0 V& H2 S  I
同埋個市場既前境要係好先得
0 p0 r. Y0 ^2 K; g6 x) L( B但當經濟一差,公司估值趺了,物價不升反趺
" `: |( c7 {. [0 ~例如剛才說10蚊的, 趺到得番9蚊,
! c" ~% H  E/ e咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
9 V7 u* N. W$ s3 d; O+ j8 B6 f6 D2 f% B所以你就會覺得D錢好似蒸發哂咁8 y- A, w( F# J! p; O, ?8 G

! G# n% @/ S( ]2 b你都可以當標野咁諗, 個樣野多人可以狂升值, 5 M; q+ _- k& a6 G
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,
6 Z! f# Y" j" r% J3 s3 ^淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
; k3 |' ]' f* i+ B0 X: k3 i9 G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 k7 Q* A( c" V1 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
5 U* t  I7 f5 f$ G. b/ n5 p唔係d錢蒸發, 而係比美國佬洗晒未來錢,
: A/ q* L. [  V4 ^淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, & b/ t; t/ X* v+ j
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( Z' E2 W1 C+ F4 z咁你話d錢蒸發左去邊? ...
/ G! O( z4 {: n# x3 j( u
) v0 J) X) N) \  j正係咁樣0 H5 g8 d- R' X( \/ x) ?
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
4 \2 \$ y( O2 o1 B" P/ k分分鐘佢地唔使還錢
8 |% E% I! g0 B5 W* V- H( P5 T1 I! h6 e5 ?, E) x* 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,! ?! _9 V7 t4 E! Y
連國家都係問人借, 不停發債券, 印鈔票1 S3 z2 o5 \9 t, x
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產; r$ t, ]0 j8 O! X9 W) ~
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.gif2 T, g- R. |$ |1 e5 ~7 Q0 V
咁而家"爆哂煲"算唔算先至係變番"正常"???
' Y; |& m( ^9 L3 X5 {
7 m5 z8 o; Q1 w2 r+ u其實係...
4 K) D. m" O) J% W) z# V2 d  B因為以前未生產, 先消費* @- F( O7 c, p: J
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。