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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.gif8 b, ^0 _5 H, \4 \  k
Why bank will sell 借據給第三者???
& f7 ]- y; e2 A4 u7 m' [I was so confused.....
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- u( q$ s! G0 F講到尾都係賺錢
5 c) ]( E9 L" Cso銀行可以不斷放款
/ F0 b$ m4 ]6 q& o  _# N% u2 [% [$ _美國的房貸問題散佈到全世界
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! c' Z' s( Z) q9 _2 x: ?4 }mortgage loan
- b6 g6 o  }% U4 {, F>conduit
, u: b9 R8 p, d) Y& \: b( J>RMBS(Residential Mortgage Backed Securities): `# k" @4 y$ n, W8 i! v
>arranger
/ G0 q# s1 O# O8 N>CDO(Collateralized Debt Obligation)$ O  ^4 D/ O2 t* T* x' x6 C  X+ X
最後去到投資者
i thought it is the reason of rate of return.# F# S% b! y4 D1 ~" L9 J$ i
CDs could have different ratings, AAA -> F,
3 t% u8 z! o1 c* o, T9 U0 bmore risky ones would have higher premium (interest rate) as a compensation for an investment.
* R( @! \/ E& D$ M0 z3 P: Xmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
; @$ h# E. q/ G( _1 V, C' @1 I+ _in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
, m' `) ~. d( x; kAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
  ]; n1 c* |; X0 |: J1 |similar to bonds, CDs trading in the secondary market have different value at different times," H+ B; ^# s3 U% f/ j
normally the value is calculated by adding it's principle and interest.
; q+ Y; O4 V. x! r3 }& [eg. the value of the mortgage+the interests to be recieved in the future. ( }! B/ d& o- j9 h
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.2 E) ]9 [8 A* }0 Z# U4 H9 B

! q  Q5 r7 `; e4 i( s# e4 uim not quite sure if the multiplier effect does really matter in this case.! `2 f. N0 p; H" l. c; }
in stock market, it's the demand and supply pushing the price up/downwards.! J& l. b8 I) W" ?# D; ^; p
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,: ]8 R6 d  h- l. E
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
& W3 m; \( Y2 k6 V  J& e  G3 BThe 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.
8 I) `" ^9 E7 Y! K) ]but the value of their assets did really drop significantly.
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- ]' [4 w: W  N6 C7 M[ 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
" q5 {3 q' f4 }1 Y! o$ `; QRefer to last example,
& e; {7 H- j8 d. ?4 F* |  bthat means bank A have no money because we borrow 10 dollars from bank A ( S7 B. w( B' ~  b7 ]
Because bank A doesnt have enough cash on hand
' \$ f$ q+ [/ s/ A: ttherefore bank A need to be bankrrupt ??? Am I right ?? ...
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( t1 k' |2 {- L, NA->B->C->D->E6 v9 P; k1 ^+ @* W+ K% P
so does it mean if E failed to pay D, ) m, G' e: H1 I  A( ~* Q' Q* P6 m
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, + [) C3 E8 Z8 L( F5 h, P+ f6 q
in this case it doesnt really matter how much money is created,
# p8 @2 V, d5 W& A7 `3 y/ ?it's the problem of the debt itself.
' S: S. M# ]/ \2 g* [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
* ?8 l6 f! [0 y( V$ q7 }2 c+ 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?/ C2 {3 d9 ]' B& w
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無可能淨係有人蝕錢無人賺架嘛...5 R7 v9 K1 }3 Q

. o7 h/ {7 J/ S$ Y) L$ Q% |敬請各師兄解答  o3 q5 G% y1 p* M- n+ C; B! J
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Thanks
) p/ ]: M4 U3 `$ T! N& `那些根本係 紙上財富  
) i% J. H, w' _/ J: x$ g7 j4 p3 V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
. D; Z( d" e( y1 U4 D+ b當經濟好,投資銀行相信會賺錢, 物價既估值相對較高  ]8 |: @+ L0 I9 e/ h
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
) T8 D' G& V+ |% }個件物價係市場好既時候升, 例如15%先算,變左12蚊啦7 N% c! V9 z3 g0 Q4 H; l1 A. P7 U
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
6 c( c8 d4 c2 x7 g' N/ W計番回報率就已經係50%,所以可以好好賺
) n' V% D1 |# @7 |: s+ K前提係銀行之間要互相信任先可以咁樣借法
- R; ?1 |& V" p, p( Z  b2 j& V: G同埋個市場既前境要係好先得; _' M( }/ m! ]+ I' j0 c/ t
但當經濟一差,公司估值趺了,物價不升反趺
  M! g# W$ t2 l, J5 a( q0 x例如剛才說10蚊的, 趺到得番9蚊, - X/ z& `8 V# L( r+ `2 W0 e
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
- |) B8 V  k  t3 Y; c: x# k5 o所以你就會覺得D錢好似蒸發哂咁7 X3 X3 \  [: S2 d

" W! _0 c* A  N  d+ w你都可以當標野咁諗, 個樣野多人可以狂升值,
! l5 }- ^/ g0 v% {1 L. t# A' 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, # n3 }: `( L- y4 S, e
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 7 }6 ^% V( J' h( z0 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8 H1 M- k$ c/ O4 q& a4 M$ n
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
: v* F# }" K# O唔係d錢蒸發, 而係比美國佬洗晒未來錢, " k# |" Y" b( I4 s( d9 R
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
) ]* l' H  C2 k- J; G& |/ 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4 w" H* _9 Z# Z* R  J  H. e
咁你話d錢蒸發左去邊? ...
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' J! p2 H2 c9 L8 k+ B! ~2 g正係咁樣* L- r7 ~6 s+ N' `6 v* K% 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4 ]) l% C# d. ]/ C
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,
* p- F9 g) R2 z2 i' ]8 a, u# Y" a連國家都係問人借, 不停發債券, 印鈔票
2 p: t" f3 ?- H  h: y1 Y1 x5 P( T! K一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
0 ]3 h: l4 r( \6 c' R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.gif4 Q- t, V  a* F! M
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...! H  f# A/ c1 Y8 G" N! t3 \
因為以前未生產, 先消費0 B! z( L8 Y& f$ c7 X, X/ ~
而家就要多生產, 少消費
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