<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?
返回列表 回復 發帖
原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif* t& l/ Z. V7 e1 g
Why bank will sell 借據給第三者???
0 R2 |; W/ j) o% f, d* x  TI was so confused.....
( q) N& ~! {" B3 M+ x0 v# M

6 H1 Q6 A, ~: g* A& A1 x+ E. r講到尾都係賺錢
6 X9 p& Z9 D# l* Yso銀行可以不斷放款
0 v# t2 V# ^9 c) c, D美國的房貸問題散佈到全世界
9 @7 s9 B" C  c6 M0 J3 a# c! k
; l( _6 }3 r& D* ~3 }& q9 B* L0 tmortgage loan ! E* k( @: q1 L  n1 g; [
>conduit$ B$ l8 j& u/ e- f
>RMBS(Residential Mortgage Backed Securities)3 z" S( e9 V& L6 c* U( E
>arranger  k3 g( O! l& v6 S; p  A! Q
>CDO(Collateralized Debt Obligation)
& M: r7 ?- Z& h+ M1 z7 r0 M最後去到投資者
i thought it is the reason of rate of return.' _0 g' B4 X3 k* H+ \3 g
CDs could have different ratings, AAA -> F,- O+ |( ^2 M0 f* N$ ]  @2 @$ Q
more risky ones would have higher premium (interest rate) as a compensation for an investment.
( c) e' t0 r* p" h! W- w& D& ~main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,; s4 S/ z7 s7 m* ~* v
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
1 Z1 [8 L. }. [! O/ |) k# G4 \Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency., J9 p% ^8 M2 S0 o5 i0 ]' K5 a
similar to bonds, CDs trading in the secondary market have different value at different times," I& Y( A# l* A, N0 w8 R
normally the value is calculated by adding it's principle and interest. # I7 R: n* o3 ^% @9 @- R! _
eg. the value of the mortgage+the interests to be recieved in the future.
0 o* M  ~8 E( ^, obanks 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.
+ L6 g: j5 _/ p- ?: S; U' W4 ^3 N# x( Y# Q& \
im not quite sure if the multiplier effect does really matter in this case.! G. L" U! }! w; Z6 Y
in stock market, it's the demand and supply pushing the price up/downwards.4 e# d% c& Q8 E5 s
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
$ [; J5 ]1 P" _% n, e/ cA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction., w. ^  ~  X" t9 U3 N& ^3 }
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 j8 o. m+ V' F0 B- D. u0 _" {
but the value of their assets did really drop significantly.
1 v% O& l0 z+ r6 Q6 Q: C0 R) x
[ 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+ w& X1 x: J1 n+ Q* {
Refer to last example,; c9 M( b) r1 _- Z8 a% a2 W; X; j' R( O
that means bank A have no money because we borrow 10 dollars from bank A
5 @6 |+ U1 o1 \Because bank A doesnt have enough cash on hand
  o6 ^/ ^+ E" z; b0 ltherefore bank A need to be bankrrupt ??? Am I right ?? ...
8 F+ w  D" }: ]) Y
  @/ M0 d  j* ~
4 \# o. @( Q9 m+ o
A->B->C->D->E
: O1 X9 a) x2 J) J) Jso does it mean if E failed to pay D,
: p: f: @: L( J- x& r$ O2 J2 sall the B,C,D,E have to go bankrupt?
& ^& m8 S0 s9 x' Q& R8 S2 I, p( @- j+ a# K% c& m' n$ l8 M/ D

6 _( C1 Q, ~% c8 b& H. Y' N- n' c6 Mthe multiplier just tell how much money created in a whole economy, . \4 e3 X* D  c, ^9 Z8 i
in this case it doesnt really matter how much money is created, . e/ Y. m, S) {( _
it's the problem of the debt itself.* ~( @' |! [* K; v) Q
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  N" O" f: H% M) y" u5 V& i
小弟一直都唔明...
3 }0 Y2 Q' r' D5 M& `* D* N% X
! A- n# v1 z/ R4 P6 i# _# ?9 M/ ?全世界都蝕錢,咁邊個賺緊錢呢?3 g  M0 t( B; s$ H( C. l7 b7 A
3 i' x* o) L: [1 V
無可能淨係有人蝕錢無人賺架嘛...
$ b- j/ M1 |: V  K1 C  `  `
* O+ S! O+ c* q+ {7 ~/ ~5 `$ Z$ n  Y敬請各師兄解答/ u: M, h* J7 ]/ A, ^) P0 t9 F

9 y, u" a$ q* M* ^. C, T8 aThanks
! i3 T0 V" ~0 C& S- P0 V" v+ Q. ]那些根本係 紙上財富  
" c; O% Z% W3 [/ A3 K$ L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 graphic5 J0 z' e  v4 E' K
9 ]7 _% F  e. X! E2 p: [3 b+ g5 U/ n
http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
" j1 E. ^7 a" ~) k- ^6 ^當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
, L0 j3 S6 n) W! X) ]) R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& e: m: B; b5 u% U" r4 w- g
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦# ?1 }% i& m: c7 p4 z6 x
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,6 h0 Z- Y5 e1 V/ A$ P
計番回報率就已經係50%,所以可以好好賺
" |+ \- p9 g' X3 S+ e4 E前提係銀行之間要互相信任先可以咁樣借法
0 L1 n6 a5 L( X- s9 F7 _同埋個市場既前境要係好先得1 j0 T; U7 Z0 ~# d
但當經濟一差,公司估值趺了,物價不升反趺
  M. b* a* f# A' I, k/ y/ F: I例如剛才說10蚊的, 趺到得番9蚊,
# v' J- M" I* `: r( H) S咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
1 b# m+ j& w8 [0 Q. N# L所以你就會覺得D錢好似蒸發哂咁  C3 I  Y: B( Q" v5 J. G; j4 D

% k6 U/ r3 X$ ~$ I4 t: O: }你都可以當標野咁諗, 個樣野多人可以狂升值,
3 V: `* u/ E7 y) g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, % \$ C2 _2 N) u: \9 [
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
3 b  W- ]( G  w- w& x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 [7 r( F8 c: K
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% T& c6 l/ ?, J8 T9 Q& z+ h- M
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
% u" ?" J* O) I7 x9 x7 _淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 3 @6 A: l9 b3 d/ Y' K! 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: F2 P9 w# x2 f  i4 @8 F
咁你話d錢蒸發左去邊? ...
+ U" O; S. ?; a) ~. E. V" A
+ e! E; B- q! n* s& K9 u2 Z, [正係咁樣% O- Y3 ?$ `$ s7 u( [
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  y6 I; M: n" R/ B
分分鐘佢地唔使還錢
+ ?7 b6 _# N% Y0 z) Q' K) ]: B
. N3 ?5 u5 M) ^: P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: q3 f) v; A6 \連國家都係問人借, 不停發債券, 印鈔票
  s/ L- b% D" B5 d一個國家好少出口, 而又大量入口 ,反映到佢唔多生產; b, |; v% J6 d1 Z+ m3 ^5 i
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
2 x0 W4 j% @# c! e5 g+ Z: ~+ N咁而家"爆哂煲"算唔算先至係變番"正常"???
" K" \( _  y( c1 A3 H( W7 G% q+ A9 o+ Y+ V1 ^1 x) e
其實係.... y. g- V6 {7 ^4 l
因為以前未生產, 先消費* r: T$ c9 d) ]: Q$ ?4 q
而家就要多生產, 少消費
返回列表 回復 發帖
<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?

重要聲明:26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作,26fun.com對所有留言的真實性、完整性及立場等,不負任何法律責任。而一切留言之言論只代表留言者個人意見,並非本網站之立場,用戶不應信賴內容,並應自行判斷內容之真實性。於有關情形下,用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限,故不能完全監察所有留言,若讀者發現有留言出現問題,請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言,同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論,敬請自律。本網站保留一切法律權利。