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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
3 n. T; ^: [) F) \. M# G, m/ H% {Why bank will sell 借據給第三者???
2 c/ F* b2 k& }; t/ O6 DI was so confused.....
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  d7 |% A! M  L9 V' g9 u講到尾都係賺錢4 q" T1 P4 v$ x9 P, E, B3 M' C- C
so銀行可以不斷放款  g- Z% R1 d. C' Z$ v
美國的房貸問題散佈到全世界
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mortgage loan
8 ]% R2 |) o8 q; `. A, g/ d>conduit
. S1 i  O. r8 K) N: c1 G>RMBS(Residential Mortgage Backed Securities)' \3 l1 J5 X2 I* I6 s
>arranger
; T! i7 ?. Y5 W. Y# _! [>CDO(Collateralized Debt Obligation)
; J* |; A. B4 ]* {' `1 u9 \! K最後去到投資者
i thought it is the reason of rate of return.( W2 F! }, h6 y# Q) d3 Y9 e
CDs could have different ratings, AAA -> F,) q# Q1 J( N, Y3 Q6 m" w  k  R7 f
more risky ones would have higher premium (interest rate) as a compensation for an investment.8 V) h( m1 y8 Y2 t; F' z) T; h( z
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
3 |9 V0 N9 J# u& h* C( L; ~in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
- ^4 O# S: H+ M! g: u4 l9 wAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.* }( x+ \( Z6 e- }/ g0 b
similar to bonds, CDs trading in the secondary market have different value at different times," J* U) m: ~! w# M. x, k2 z
normally the value is calculated by adding it's principle and interest.   p! S  u' I2 s0 }2 K
eg. the value of the mortgage+the interests to be recieved in the future. * M5 I9 C4 w; _* k3 @
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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7 E9 A3 {& l5 ~im not quite sure if the multiplier effect does really matter in this case.1 \4 O; y2 K5 B/ z1 ^
in stock market, it's the demand and supply pushing the price up/downwards.
% O1 I% Z& `6 ?. TFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,  g! w- N' O: E1 n2 H
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.% m8 S; E' H2 R! p& U: B. B# T% k9 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. 9 U6 o, X% _+ v' x
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
, j2 I& ^. H5 ^# s* pRefer to last example,
; K& x1 V/ Q2 B! qthat means bank A have no money because we borrow 10 dollars from bank A + A0 b* A' o! ]" k$ P( e6 L. {" Y* t
Because bank A doesnt have enough cash on hand
, X' {+ m* ~. [  B8 w9 Z, o  [  J+ c, Otherefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E$ J, x9 P9 i6 D) Z" _) o
so does it mean if E failed to pay D, " e: v7 G1 L0 P5 Z5 u' d
all the B,C,D,E have to go bankrupt?
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: ~3 N% r  S6 ?2 uthe multiplier just tell how much money created in a whole economy,
  t" @8 `: p- @* Z2 e  ein this case it doesnt really matter how much money is created,
) u- c% w2 S& e# V- [4 |it's the problem of the debt itself.: b+ k- v) m- z! _, u
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: a) `. L' h# J5 f/ u7 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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  e( X* |# h' S) }# ?4 W無可能淨係有人蝕錢無人賺架嘛...
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$ M: @  f- _+ X$ L" {* r* m3 {敬請各師兄解答
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1 }2 ?. R! m, W2 s1 n& qThanks
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那些根本係 紙上財富  " |/ {* o& U6 V( |/ [+ B. K% m
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
, I% M; W3 F1 |% R& g1 O當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
' W" Z$ y, G( @5 S- V; t* c( t8 g+ C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
. }( ]5 |' L6 D5 g  e. M6 y個件物價係市場好既時候升, 例如15%先算,變左12蚊啦2 |  {5 t; i" ~6 a' |% M2 E
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
7 c( U6 _: b0 D* i- o計番回報率就已經係50%,所以可以好好賺
- l5 i5 E$ D# S: k# {! r前提係銀行之間要互相信任先可以咁樣借法2 a8 j2 N, k6 ]+ [/ K4 [
同埋個市場既前境要係好先得
; W) |) X  x' N3 r但當經濟一差,公司估值趺了,物價不升反趺
* p% G: F( a# r例如剛才說10蚊的, 趺到得番9蚊, * T- h) k: \; C$ B+ c
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%% K6 I1 {' c& J
所以你就會覺得D錢好似蒸發哂咁
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你都可以當標野咁諗, 個樣野多人可以狂升值,
! `) N/ g+ d$ {# g2 B5 V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, & L2 @: m+ ^/ e: a6 w6 Y: d5 w
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ; K. |; r: Y* w: s; m$ P
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% U* W8 R( ^3 S
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.gif1 w# L; X0 s# v8 r
唔係d錢蒸發, 而係比美國佬洗晒未來錢, $ ]9 \. A6 F$ T, W; {  F
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
4 K) i1 _2 C1 {1 B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& t) Q2 R, @4 h9 N6 }
咁你話d錢蒸發左去邊? ...
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正係咁樣
  ]( Y3 n9 @4 a3 o4 s! i7 K( ]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
! U5 Y# I% Q7 F5 r: p$ l分分鐘佢地唔使還錢
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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,2 A$ f4 a  G* J2 w
連國家都係問人借, 不停發債券, 印鈔票
4 g2 G! o+ P5 y6 Y' U' K/ {一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
) l2 \, Z& T7 S( U/ }7 n* g' ^: b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% s7 _- s. L7 I/ o& C4 k% p# e9 ?. G
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
1 _5 ?$ y$ r/ A1 H5 C7 K" S; r, O因為以前未生產, 先消費8 g2 Q8 E7 b5 a' B" T% p( H
而家就要多生產, 少消費
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