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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: s* |$ S/ x6 q* h" F& K4 r6 m
Why bank will sell 借據給第三者???. `9 o* |9 e* |* l
I was so confused.....
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' p1 S+ q- [& @/ E& n4 [講到尾都係賺錢
* @# x, c# K! ]( Dso銀行可以不斷放款
( o% P6 \- ^1 k* V' M+ H美國的房貸問題散佈到全世界
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0 s" W6 _$ r. ?, l( Rmortgage loan
/ M) U2 \2 t( m6 b6 c>conduit
) I% V; ?9 ]9 W/ ]- U) ?9 Z>RMBS(Residential Mortgage Backed Securities)1 Y" x* t$ e2 D. U+ R3 u  M
>arranger
  f8 Z. ~( O! Y3 O" o) w& Y/ f7 t>CDO(Collateralized Debt Obligation)7 @- H- ], t: o" H) `
最後去到投資者
i thought it is the reason of rate of return.
% T- A( r" K% V  TCDs could have different ratings, AAA -> F,
7 B2 m0 |1 [+ C1 pmore risky ones would have higher premium (interest rate) as a compensation for an investment.# r. t$ H  @$ Z$ N2 U
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
& }& f5 a. D- oin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
8 v2 ]2 \6 g- w7 C9 X/ `Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
. F7 ]8 O( {3 ]3 v+ Rsimilar to bonds, CDs trading in the secondary market have different value at different times,
7 e0 o; \6 W* h4 }6 Fnormally the value is calculated by adding it's principle and interest.
1 J8 ^: U9 I, O2 [" \0 J4 y7 ceg. the value of the mortgage+the interests to be recieved in the future.
" t3 Z% L/ d) K' p& nbanks 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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) |  x- I5 x; h4 c$ \im not quite sure if the multiplier effect does really matter in this case.% s9 G; I6 r; {) x1 l
in stock market, it's the demand and supply pushing the price up/downwards.
7 h/ H: \! o2 [7 ?- e/ e3 L  v7 {For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,7 r# i( }' _+ ^1 ]: x+ d0 [2 O% ^) d
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.$ ^4 C) g9 a) _" y  z7 j3 l. X2 k
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.
/ M0 t, C5 ]6 ybut the value of their assets did really drop significantly.
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$ ?( v9 f4 g" n/ C$ ]9 N5 b$ p[ 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
: H7 A& z- W( Z/ W' }Refer to last example,' W* ]- t" c% Y' c
that means bank A have no money because we borrow 10 dollars from bank A ; D7 Q4 i! l9 K8 Y/ T
Because bank A doesnt have enough cash on hand
2 V2 b  Y4 b9 t$ b+ H! S! e( k# gtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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% T; `, I- j0 BA->B->C->D->E$ A1 F/ Y) ]/ {
so does it mean if E failed to pay D, + S0 u& |( o0 t: j# D
all the B,C,D,E have to go bankrupt?
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& y, |4 X0 \  rthe multiplier just tell how much money created in a whole economy,
3 H( A& F" L9 }7 c' Z8 ^in this case it doesnt really matter how much money is created,
& i) R% U% G& n9 V5 yit's the problem of the debt itself.
' v! `/ U) o, b0 I: cthe 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
! T0 e+ v2 L1 ~* S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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3 I9 Y5 o: z# v) n( B4 i2 Q無可能淨係有人蝕錢無人賺架嘛.... ~' O$ r; D/ {$ [# F! l

- k$ }5 d. o- H. _3 g敬請各師兄解答
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Thanks
" P2 C7 [  o5 m/ ^( i0 J那些根本係 紙上財富  % I- {4 w, H6 Y; c$ g9 N
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* A; L$ f& \5 q/ \
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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
- E2 g8 e6 O/ h+ d7 k1 p當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
9 T8 x( k! B# f% k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
) |0 ^% r7 C* j" |; H0 ?/ R" i個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
* R6 d) ^2 `' i9 J扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
( i6 E& W6 c! e# e1 V計番回報率就已經係50%,所以可以好好賺! i6 ?. W- t+ v& e/ U# Z1 _4 z; p
前提係銀行之間要互相信任先可以咁樣借法: p; I! l2 F2 |* B2 W/ ~
同埋個市場既前境要係好先得
) |8 g" O8 [- E3 a( l8 W" F/ W/ H但當經濟一差,公司估值趺了,物價不升反趺
# O, `- |1 U  ]2 z3 f$ q/ g9 s例如剛才說10蚊的, 趺到得番9蚊,
0 {0 z: F; h( P/ C  K% n8 {咁投資銀行一下子就要還11蚊, 一來一回變左虧200%5 ~  j2 R3 R: o
所以你就會覺得D錢好似蒸發哂咁; X( {7 F8 `0 k" I8 V* H" g

5 A1 t5 U1 J% Q7 D9 A/ \你都可以當標野咁諗, 個樣野多人可以狂升值,
6 k- c& }7 V; [5 ^- }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,
# k9 G2 v4 D- V' s9 r# A* _淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 2 K8 x8 U2 E/ G( ~# ]5 D9 s7 D
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
6 U4 N  v* C3 I1 w7 Z( P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.gif8 B' X! z) f# e- o
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
5 k, F. r% ]' J* {/ L. M淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ' P. `6 V) S" N) f2 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
! S: d& |7 g6 {3 u咁你話d錢蒸發左去邊? ...
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$ B! p5 z1 R* R4 m- A- t! O正係咁樣; K  r0 |5 I6 n& R* L0 h
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
' k/ N& h  {; U3 {% A2 E分分鐘佢地唔使還錢+ b. m9 j  p' i& h- b( S6 B

/ `7 F, y) |$ Z) U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,
' a9 F/ C+ Y6 f" K/ A( V連國家都係問人借, 不停發債券, 印鈔票! Z. J9 n3 Q' S% I
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
& n' q; n5 o% h5 J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! N$ B( h0 C% Z  _! g5 C0 `+ f
咁而家"爆哂煲"算唔算先至係變番"正常"???
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- r1 Z" a$ V4 K! o  w其實係...
& q+ t, H! E% E8 q' V因為以前未生產, 先消費7 W6 h2 I% P) f, {# j8 [1 U
而家就要多生產, 少消費
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