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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$ Z8 C; H  d$ c; v* j# _- W5 U
Why bank will sell 借據給第三者???4 L9 s: I4 m8 a- @- p8 {- j2 @6 ~
I was so confused.....
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講到尾都係賺錢
1 m% `( J. R, X( P" U$ L2 a5 S" Oso銀行可以不斷放款% l. M4 i' H; R: p1 u# I; W
美國的房貸問題散佈到全世界
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mortgage loan
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>RMBS(Residential Mortgage Backed Securities)
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>CDO(Collateralized Debt Obligation)
- _! N0 ]7 [/ ]. ~) T) I- L最後去到投資者
i thought it is the reason of rate of return.
% i- p& h9 \  y" Z! `CDs could have different ratings, AAA -> F,
0 R* K; ?, _5 c7 U, I) z  G# V# gmore risky ones would have higher premium (interest rate) as a compensation for an investment., U! [1 [+ t9 ]- g2 W1 c& V. c3 E
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
/ j( D6 K6 M: y7 ?in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities., }; K: B0 i2 I5 V6 R6 Z! ~- g
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.8 b8 ]" `  y; V% S! h* Q
similar to bonds, CDs trading in the secondary market have different value at different times,
! f; d9 i6 R; n2 C7 b6 Z0 Z3 znormally the value is calculated by adding it's principle and interest. # V8 g$ e8 {0 ?1 z% q  E
eg. the value of the mortgage+the interests to be recieved in the future. , H2 |0 l6 n5 u* R; {; h, Y
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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; \% D& n( _9 u) d- X5 @9 [# U6 T2 Eim not quite sure if the multiplier effect does really matter in this case.
: w- x$ j% Y5 l* }+ A" B+ S( xin stock market, it's the demand and supply pushing the price up/downwards.4 R) p3 p) s' R. `% X3 u
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
' f/ ^: t- A( @; zA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.: {& ]6 G2 r* A! O
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.
7 e3 S4 E' ?" t  a# E) S6 Ubut the value of their assets did really drop significantly.
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5 `5 W0 I; y$ v; E1 t+ _[ 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
% T4 D' P, H- I- Q7 |. p- FRefer to last example,3 J' n4 w0 a' J9 z. Z1 I( {( p
that means bank A have no money because we borrow 10 dollars from bank A
3 b3 ]/ `& ~. lBecause bank A doesnt have enough cash on hand " K- p8 `1 I0 L- B1 g
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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3 }3 B; g6 q, i: A* }) F  ?1 IA->B->C->D->E
, c( v. z. \- N, K5 ]so does it mean if E failed to pay D, , S5 X1 d& p6 K
all the B,C,D,E have to go bankrupt?
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* I, v8 a2 Q' N' h8 z1 P5 y$ Cthe multiplier just tell how much money created in a whole economy, - w1 B8 w/ ]3 O! P0 F5 C7 \
in this case it doesnt really matter how much money is created, $ {7 J' b3 {% F
it's the problem of the debt itself.
9 E, N. o" u$ a% w* K; Mthe 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
7 ~2 P2 k. y( S: E小弟一直都唔明...$ [- X7 J$ N' a' ]( i

! U6 @( A4 H4 o' a6 \( ?, q全世界都蝕錢,咁邊個賺緊錢呢?
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9 ?9 ~; H0 L' {7 v; D4 k無可能淨係有人蝕錢無人賺架嘛...
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: H/ c6 }! x' d6 G; k7 }) i! q敬請各師兄解答
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Thanks
3 r, R. m  e5 @+ [- J6 \  s那些根本係 紙上財富  # t! K& Q' W5 R8 \) W
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 graphic7 {/ }4 _. m1 B" h2 f4 E
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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
" d  p* B! x  `當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
* u4 X" `# J9 r, j! u5 A% C' o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
3 R6 m8 w1 n2 W個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
  _. k$ n' T$ N& e  o( Q扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,3 D. z: Z7 c. v7 T! b. b
計番回報率就已經係50%,所以可以好好賺* F4 H" ^% b& u9 P9 @5 \
前提係銀行之間要互相信任先可以咁樣借法# r! ]- O: V( \0 r1 q
同埋個市場既前境要係好先得
5 s9 A. o5 d2 v但當經濟一差,公司估值趺了,物價不升反趺( C0 J5 _: R3 K: u9 S- H
例如剛才說10蚊的, 趺到得番9蚊,
% ~2 ~7 q3 |3 k1 s  H' S- }# J咁投資銀行一下子就要還11蚊, 一來一回變左虧200%! L1 b0 @3 Y, Z7 H# o  o
所以你就會覺得D錢好似蒸發哂咁$ r1 a5 c" c0 E6 i
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你都可以當標野咁諗, 個樣野多人可以狂升值, 9 S3 C6 X  K6 _8 `3 i$ D
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, & D3 N3 C/ d. r
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ; m1 n- D1 `4 h1 t- j* 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% ?7 f* s: v& X& K. e
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
4 Z* @2 @$ Q' `8 z; K( j) S唔係d錢蒸發, 而係比美國佬洗晒未來錢, 6 y! X3 g# d" E) s! O/ a1 x
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
4 }" s4 M+ q' 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* z# v2 v) S0 W9 y5 p
咁你話d錢蒸發左去邊? ...
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正係咁樣. P! g5 C; E$ Y- X, e/ Q! O
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
0 y! t: R# I7 e$ D分分鐘佢地唔使還錢
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- {/ v$ J- p+ e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,1 n! f2 O% s7 `/ R
連國家都係問人借, 不停發債券, 印鈔票
  T: K  t5 F6 H2 ^, @& r一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
8 F5 I, H8 q7 x; y: P" O! Q2 u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.gif6 O  m. ^3 E/ g7 S
咁而家"爆哂煲"算唔算先至係變番"正常"???
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  I* V! J; e7 E* o# ^其實係..." t( O: k% R; J
因為以前未生產, 先消費
+ W' k# M  s% O9 J) q( W而家就要多生產, 少消費
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