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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
* A' R! O' X# o# }: TWhy bank will sell 借據給第三者???: ~, [4 @2 s3 b( T* c# b) f
I was so confused.....
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8 R; y% V0 l, |8 i5 H( D講到尾都係賺錢
9 o% i6 @6 V5 z  d* y4 L; oso銀行可以不斷放款. B7 [8 _0 i5 o& _$ `) ~( |
美國的房貸問題散佈到全世界
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& z2 [  P) k/ [1 |4 y1 nmortgage loan
+ d) w/ h9 Q- d5 b: c>conduit
5 B1 {' L1 g( E: I( @>RMBS(Residential Mortgage Backed Securities)
* q' [1 m0 t! @. s. |, {# A>arranger
2 v; ~% h6 n! a! D>CDO(Collateralized Debt Obligation)7 u$ |6 O9 F( Y! S9 V
最後去到投資者
i thought it is the reason of rate of return.: j, f2 S2 l1 p' m5 X# e
CDs could have different ratings, AAA -> F,
, D3 E; J, F0 |0 C( Tmore risky ones would have higher premium (interest rate) as a compensation for an investment.% [4 U; x' v; @' A0 Y- Q6 s: Y
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
+ W5 U+ B# W% r% F/ k4 I" Yin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
" R2 k: ?$ v# UAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.# K, P  z# l) Z# @' z6 u
similar to bonds, CDs trading in the secondary market have different value at different times,4 r2 J) B1 B5 a; \% U
normally the value is calculated by adding it's principle and interest.
, x$ f3 E2 Y, Q1 aeg. the value of the mortgage+the interests to be recieved in the future.
9 Z) m. g; y- @& K8 L% Jbanks 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.% A3 u7 H8 |% o
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im not quite sure if the multiplier effect does really matter in this case.& }, d# {- z" G: H/ s2 a" b
in stock market, it's the demand and supply pushing the price up/downwards.7 ^# p# o; [) t, n' O% L
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
7 J! g: [1 s# s( Y5 H2 yA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.9 e; o  Z9 E* K# m) C
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.
6 m4 S1 o4 w# F% l( U0 `but the value of their assets did really drop significantly.
7 ~0 J8 N7 O% [( F6 o) h; z6 _2 @% P0 Z$ e3 e: {/ c6 a
[ 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
( t: \' Q, `- pRefer to last example,) e- E! X, n* o: O2 s
that means bank A have no money because we borrow 10 dollars from bank A
. N! g( s$ L, \2 aBecause bank A doesnt have enough cash on hand 5 T2 m) W+ q" ]6 ~) n
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
& `6 A4 l  e, X& U9 c  E$ \so does it mean if E failed to pay D, ( L; i. x4 N7 g+ h5 Z% t
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,
6 I6 a2 Q0 f- }( V- m* ~in this case it doesnt really matter how much money is created,
  U( O% a, @& ~! m" }0 eit's the problem of the debt itself.* f  m, ?% c. g4 L3 A
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
* V4 a" I1 d' J1 T6 u  h; _; e0 B小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?
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無可能淨係有人蝕錢無人賺架嘛...
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/ m/ M9 _6 |: G& ^; c3 w) j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  
/ n2 L% l) @+ a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: j  ~  Q$ }, p. J
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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
/ R" k" S: o8 k' d當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
3 s! k. x9 T" }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4 B. y! X- n6 L
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
, R( R5 T& L+ H! r/ b; B. V扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
- i9 Z$ j$ G3 Q計番回報率就已經係50%,所以可以好好賺
! H  K2 y7 N9 k, k% [前提係銀行之間要互相信任先可以咁樣借法
7 ?; Y6 r: T! H( t8 E3 Z同埋個市場既前境要係好先得
+ ?- N* b. C6 C) w但當經濟一差,公司估值趺了,物價不升反趺* Y# g; l7 Y: l4 R# s7 n( F
例如剛才說10蚊的, 趺到得番9蚊, 5 h1 u& n9 Y! G+ \; ^2 x* _
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
* I5 F8 v4 _& `  }6 b' W所以你就會覺得D錢好似蒸發哂咁, a( s# ]9 S; W; V# Q7 ?: W# V

3 J# y' F, o$ I& l$ z5 W你都可以當標野咁諗, 個樣野多人可以狂升值, : c, C4 R( ~& Y. s* E% p) O
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, # f5 p; S  }! Z/ r1 F3 _0 y
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
: {. G- A# _& T4 c! {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1 k/ S2 R8 S( Q! C# [
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
. K) `, i( f- m- E: N4 U! O唔係d錢蒸發, 而係比美國佬洗晒未來錢, ; }0 P0 O6 @& a4 k: U- f5 ~
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ) W3 ?+ t4 X' U) y: ?; Q
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 L, P% H$ N9 b  ?3 ]; U0 c
咁你話d錢蒸發左去邊? ...
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: D+ o1 a- o* x  D正係咁樣8 V8 J+ d( b' E3 r" u# ^. o6 n
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/ @' ?! ]' Y. b' T* g, h6 F
分分鐘佢地唔使還錢2 n$ e, l6 M- i8 g' s0 P
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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,+ q( O$ f: {* H7 u
連國家都係問人借, 不停發債券, 印鈔票! h/ E1 B6 S& A1 j; A: K) T
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
2 z" G1 z& c# q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
' B. ~9 A0 g5 D5 z4 ?咁而家"爆哂煲"算唔算先至係變番"正常"???
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: \3 i& b8 p1 c4 C/ H4 t其實係...( l' a5 n, V8 ~# y' D0 D! L* R% u
因為以前未生產, 先消費
3 ^8 X# R: \6 x4 s: u2 K( c而家就要多生產, 少消費
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