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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.gif3 A# H" W, V! e+ ]
Why bank will sell 借據給第三者???. Z& v. m* f' F' X
I was so confused.....
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' l' p' E* M( o8 h4 [  W2 [  y" @! j講到尾都係賺錢
/ x0 [6 i5 D; M' gso銀行可以不斷放款
- C+ i3 B4 M. h美國的房貸問題散佈到全世界7 h/ f: o: z: k$ ?6 a) F* _. e$ Z
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mortgage loan
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>RMBS(Residential Mortgage Backed Securities)' i* W* ?" o2 t' N! b- }
>arranger6 k/ Z* R# W5 A# A. s/ T* _; `
>CDO(Collateralized Debt Obligation)7 ]. z" n. p* z( ?( v
最後去到投資者
i thought it is the reason of rate of return.( y1 u: k6 v2 c# k! M; ?
CDs could have different ratings, AAA -> F,
0 z: A1 V* [2 @; x- W& M* h2 o0 _: u" Smore risky ones would have higher premium (interest rate) as a compensation for an investment.# y4 y0 p+ d" c- P7 n5 S- n0 P6 A  P
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,. w7 n* i( U0 p' Z3 ^
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.( a9 J; A" v3 l* K$ {
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
* v& P: W) z+ Z# t6 vsimilar to bonds, CDs trading in the secondary market have different value at different times,
# l1 C+ j/ S% U0 S$ W6 d% S4 Dnormally the value is calculated by adding it's principle and interest.
- [8 [0 C$ }' @5 x7 ?. l7 n% Ceg. the value of the mortgage+the interests to be recieved in the future. $ a* f/ v) [5 O: \, s/ o' O) j
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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im not quite sure if the multiplier effect does really matter in this case.
0 ]: y* x( S; P$ }5 q/ m" zin stock market, it's the demand and supply pushing the price up/downwards.- t/ {7 j* X% B  n
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,8 K& y7 C6 [: v+ H4 u  u3 K
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.) o0 @% C0 B. U( u8 W
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. ! y! V9 `, b# U
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" }" s4 q3 H) l, m1 ~1 Z" o
Refer to last example,# Z9 M6 w. n' m% \* D' `- q2 F
that means bank A have no money because we borrow 10 dollars from bank A
2 `, u9 T1 s8 rBecause bank A doesnt have enough cash on hand # J) I' ^& A4 v0 s, H" x- V) r1 u
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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- x' v# k6 T: M( g, m7 @0 VA->B->C->D->E3 h& u0 y9 {2 V8 h; n
so does it mean if E failed to pay D,
9 E- h% i& q3 V* U* f1 mall the B,C,D,E have to go bankrupt?0 R& \0 V" W* N. E
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8 [4 [6 e" t8 w9 F$ R+ Zthe multiplier just tell how much money created in a whole economy,
7 a. c+ P, E( U: d4 Jin this case it doesnt really matter how much money is created,
# S9 H+ d$ a4 C& l) |! oit's the problem of the debt itself.
" B2 _% v4 P3 {# ythe 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
  Y6 z  i& Z* W4 J6 u1 d/ L小弟一直都唔明...9 D( }' Z7 K3 z. r

: ~" n4 `+ R8 v4 |# H全世界都蝕錢,咁邊個賺緊錢呢?0 Z( i6 G. m# ?- ]3 q6 P( f1 Y

! s9 h7 C7 i# h$ u/ F! A無可能淨係有人蝕錢無人賺架嘛..., d3 |5 r: s$ R8 j! M

. R. u4 c$ }; v敬請各師兄解答
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! n8 r4 W* s' v7 W7 }- b/ EThanks
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那些根本係 紙上財富  
& [; s) I& X/ [# w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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* k& f- }; h/ f0 j- j9 C2 zhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
5 i2 E1 D' S8 x當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
. g2 n9 s+ J  o% m* t/ b9 ^4 ~. r2 r2 q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
9 u, g1 m7 A7 p5 n個件物價係市場好既時候升, 例如15%先算,變左12蚊啦% U0 X" R5 P; N) \+ k: D
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
  b1 K+ n3 a, t9 `計番回報率就已經係50%,所以可以好好賺
6 |, e% I" S; H8 k) L& G6 e前提係銀行之間要互相信任先可以咁樣借法* d. h( E$ V" }7 }! r
同埋個市場既前境要係好先得# Y. e' a* e0 s3 o
但當經濟一差,公司估值趺了,物價不升反趺& a; y7 {6 u, N1 k8 N
例如剛才說10蚊的, 趺到得番9蚊, % p8 U4 e: j' I( x9 O
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
6 J! C/ I0 ^! X% }% |" ]7 N所以你就會覺得D錢好似蒸發哂咁; V' t# d) z! ?) n

1 P: u& e# X: {4 T, J. J; G你都可以當標野咁諗, 個樣野多人可以狂升值,
. j+ c# A$ Q2 r) G. F1 a5 q5 w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, 8 Z* V6 S; C% n8 S0 N# k$ C- b
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
  \( @! z" {' H: _- `4 Q- G; 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
' f* E, a* d6 S7 m1 v2 O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.gif7 ^! Z+ ]7 y; L
唔係d錢蒸發, 而係比美國佬洗晒未來錢, 1 ]: w: l% P; j9 t" r2 W
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 7 ~- V1 H) j3 [$ U/ l' @5 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1 M5 u+ k. e( w0 J4 D3 T2 u4 a# X7 H
咁你話d錢蒸發左去邊? ...
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' F) z8 G5 L4 t0 `1 ]+ L正係咁樣4 s- Q+ S1 k; `% f% C6 m
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6 \" p% M' S. D5 O9 `6 V2 M. ?- ]
分分鐘佢地唔使還錢7 Z2 ]$ i( z; k0 z& Q# ~  j; R
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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,
( D- z8 G2 r' K0 ]連國家都係問人借, 不停發債券, 印鈔票6 Y. w' I0 z& M, C
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產- h$ h( w: M; ?. q- t3 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
" s9 f) M/ E. j. Y咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...$ A+ a+ G# G: M2 Y: X; _
因為以前未生產, 先消費
) |/ Q- i$ H" `3 @' ?8 ?) `8 ~2 [而家就要多生產, 少消費
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