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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
' f) f6 I4 C2 W8 P3 ]5 t6 C* aWhy bank will sell 借據給第三者???
$ j2 d/ ~( f; f1 g, a& @I was so confused.....
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7 K9 I8 m! z# C, U" U, H8 R講到尾都係賺錢
& C2 P& T! Q% iso銀行可以不斷放款0 @8 f0 I6 R2 P0 d
美國的房貸問題散佈到全世界
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+ u2 Q. j( r0 _* d3 u9 _/ cmortgage loan
# M4 C3 H! I' a+ L) z3 |9 o( o* j>conduit2 u0 m, Z" F# l
>RMBS(Residential Mortgage Backed Securities)8 Q, z+ _3 \" ?" D9 }& s
>arranger2 k0 J+ A: |6 _+ E! j& B0 H  f
>CDO(Collateralized Debt Obligation)
: `9 i, f$ d+ S) M1 Z最後去到投資者
i thought it is the reason of rate of return., m* A2 a4 {2 D4 L% A
CDs could have different ratings, AAA -> F,
2 t1 @8 Q# f" ^: Z  V" e9 Z: rmore risky ones would have higher premium (interest rate) as a compensation for an investment.
1 Q: T+ Q# L1 ~, C$ v7 W* Omain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
/ u6 i- P) \7 _in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.0 Q" h( O% [% ?  m
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
" R+ `1 W# y# g% v0 c9 U; Z( Dsimilar to bonds, CDs trading in the secondary market have different value at different times,6 D0 K& [$ E$ v0 q! u' v. P. [
normally the value is calculated by adding it's principle and interest. . \; d7 ]% {/ y  e8 \( N. J* \
eg. the value of the mortgage+the interests to be recieved in the future. & L2 ~) ~! k2 |4 B% _
banks who sell the CDs, could enjoy a few benefits like, the present value of cash and passing the risk of holding a debt to another party.
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( z2 u6 d4 u+ s- D- `! `0 X7 eim not quite sure if the multiplier effect does really matter in this case.
" M- L4 V* U& \8 {- _# min stock market, it's the demand and supply pushing the price up/downwards.; `  }1 B# {& o/ M: R
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
! ^8 _8 p* Z3 M2 u8 o  B+ G. ~3 hA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction., Z  Z1 S+ M) q1 p. x) d$ X
The capital loss that ppl suffer nowadays, i believe, most of them does not really suffer a real $ lost yet as long as they dont sell their securities. + p: ]+ Q) ~1 p+ n8 v2 V2 @! m
but the value of their assets did really drop significantly.
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[ 本帖最後由 Kev 於 2008-10-8 07:26 PM 編輯 ]
原帖由 balachiDavis 於 2008-10-8 04:09 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
, S4 B1 Q3 [7 S% y- ORefer to last example,
2 D" z" P$ ^+ a0 sthat means bank A have no money because we borrow 10 dollars from bank A
1 P# K" ?" M- Q2 b) D1 a+ xBecause bank A doesnt have enough cash on hand 2 [/ U% C0 \) S/ t* W( v0 L
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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  }) P2 [5 c& {8 Z0 ^0 |1 I, @
A->B->C->D->E
, _% C! W! s/ h, ^$ sso does it mean if E failed to pay D,
# ]3 z- c0 q5 M1 o. e; rall the B,C,D,E have to go bankrupt?
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, W- B# t* E( Q! r+ o. ]' I! a( f
' |% c- x. |  o6 U" Y/ l. |the multiplier just tell how much money created in a whole economy, 8 V! O# F. o. b: t( V/ @
in this case it doesnt really matter how much money is created, & v5 ~4 g# g' {+ _& Y/ z
it's the problem of the debt itself.
" W" T1 v; D: p. N; Uthe 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
2 i/ l- R! V5 j; {6 _小弟一直都唔明...
5 U9 j! B5 Q! c3 C/ ^7 s; y2 z9 G& b* U0 X
全世界都蝕錢,咁邊個賺緊錢呢?7 O4 l- ^% ^9 _, i% @/ j/ M: l) \; x
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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% \& D4 W9 C  ^6 d7 T' v7 W

8 y& R9 Q3 C4 LThanks
; H: D, O2 D8 y7 t: r那些根本係 紙上財富  
, a% P0 n4 {, x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
; U2 X: w2 ^! G當經濟好,投資銀行相信會賺錢, 物價既估值相對較高/ z: L3 `$ L, J
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- s% e/ l& J+ C; v8 q: n
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦* ]$ H( |' ~5 _! q! O- N1 z
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
& w/ o7 L( ^. q& I計番回報率就已經係50%,所以可以好好賺, V! o; Y. f) y* r
前提係銀行之間要互相信任先可以咁樣借法
7 y" G+ F; s# p! ?6 D% I) Q6 V同埋個市場既前境要係好先得
3 Z) e5 _2 _' ?但當經濟一差,公司估值趺了,物價不升反趺  @5 H2 @  z! x+ ?$ B3 V
例如剛才說10蚊的, 趺到得番9蚊,
1 O3 k7 n/ Z: D; o$ G' [咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
$ a0 F1 A; [$ @) z" Y所以你就會覺得D錢好似蒸發哂咁: a2 \% R# R. c
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你都可以當標野咁諗, 個樣野多人可以狂升值, % O1 G' K; ^* E8 g6 `" h4 r0 m9 f) Y* 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,
5 d. \' F+ u% y; f2 l& K, y淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
* ]8 O- a) w: h3 [) T; T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# g- s+ L8 g7 ?. j6 k. |% O
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& w; E4 O# t" D. k( j
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
/ C% m2 K5 R! u, @4 w3 Z淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
. D) E$ x; t! s  M; N: 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
2 \: B! C0 ?) ~* w8 p: q咁你話d錢蒸發左去邊? ...
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' `" |6 [8 q7 V# Y; v正係咁樣3 L$ X/ O" G7 Z( Z" B$ A: a
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
6 D  e' ]2 C! z) H分分鐘佢地唔使還錢
7 E5 m1 L' _/ U2 p& K+ Q& k. _5 J! S0 t2 G6 Q# \6 `$ h* V4 L0 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,4 ^# v  R- A' ~5 e3 K- ~$ Z
連國家都係問人借, 不停發債券, 印鈔票% O7 B: O+ G2 x- h4 Z/ D2 o( S1 p' d: F
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
6 ?9 S4 q. l5 t/ R& o6 ^. ~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
1 n* M% W3 f, u4 T) Z3 D咁而家"爆哂煲"算唔算先至係變番"正常"???
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& \. r2 \8 |- U5 |- p其實係...3 D) T7 A4 [# k) w. h* y
因為以前未生產, 先消費8 S8 u- F/ o1 L) N' t0 p
而家就要多生產, 少消費
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