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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
6 j  S8 ^) b- l: V8 q5 ~Why bank will sell 借據給第三者???7 `5 ^1 [1 t/ j+ E; {: T, J
I was so confused.....
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3 `1 b/ [, J1 n# S, Z( f0 A講到尾都係賺錢
) s5 S1 `, J- Y' Q1 e' D% f" pso銀行可以不斷放款; T/ o) E9 r' i) W9 T* D
美國的房貸問題散佈到全世界9 }* a( c5 ]0 x
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mortgage loan
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>RMBS(Residential Mortgage Backed Securities)% z2 W4 z0 \# ?# ~# o
>arranger
! X' [% \! w7 Z( p>CDO(Collateralized Debt Obligation). R7 k. u1 }; M' l8 Y: x
最後去到投資者
i thought it is the reason of rate of return.% j: c  p. G* t. @) d  i# E5 O
CDs could have different ratings, AAA -> F,5 F- c+ ?- Z) a, p0 v
more risky ones would have higher premium (interest rate) as a compensation for an investment.
) {. _" r+ y3 y  d$ r1 a( Gmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,2 V% ~1 |  Q! i$ \. r  R) g
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
7 [$ D4 V4 M( n+ i- ~4 TAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.* K) u4 i; h! V# E; l3 B9 ]
similar to bonds, CDs trading in the secondary market have different value at different times,3 m- U6 `6 h6 L  \6 I4 f; r3 I
normally the value is calculated by adding it's principle and interest. " U) r8 f# }7 C: R. t
eg. the value of the mortgage+the interests to be recieved in the future. - A$ z# ~* b, x; U
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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* O: c  b7 `% Q( N' |) k0 h# pim not quite sure if the multiplier effect does really matter in this case.
% H. ?/ p( E; ^in stock market, it's the demand and supply pushing the price up/downwards.
9 K+ B4 ?! P/ a+ M0 A5 M4 xFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,; B; N, i% U# A
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.2 }6 A0 n# r: b- o5 Z: z
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 A+ w' n( i4 Q2 b9 ^but the value of their assets did really drop significantly.
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" U& N* M, b( s4 ?[ 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
# g+ |# w8 [. h8 w& z+ b% k. Q, lRefer to last example,, a: }* O$ F" Y6 J9 ]
that means bank A have no money because we borrow 10 dollars from bank A
2 w7 K1 [, C9 O# mBecause bank A doesnt have enough cash on hand & P! ?+ T4 s: u. t$ ^
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
  a# Q5 u- t& o! H2 n! Gso does it mean if E failed to pay D, ; x, m0 w/ N# Z& ]# v) Y2 J, r
all the B,C,D,E have to go bankrupt?1 C$ V2 _, g8 o; b6 W* j
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the multiplier just tell how much money created in a whole economy, 0 k) g/ M5 s) w& M( J
in this case it doesnt really matter how much money is created,
& u3 O0 {7 T2 A6 @5 Git's the problem of the debt itself.1 m, e1 @) t9 Q" H' p
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
/ ?6 J# r2 ]5 L6 ]# C小弟一直都唔明...! |& D9 e' ^0 I! _: X

& Y" a' t8 T$ q& z. C全世界都蝕錢,咁邊個賺緊錢呢?+ E7 M* g: x3 ?- y( w
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無可能淨係有人蝕錢無人賺架嘛...
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敬請各師兄解答
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Thanks
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那些根本係 紙上財富  $ V8 {7 n* L$ U4 ]- f
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. k  d& w: C# w( @
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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
1 Z( @; T" ^$ [" F當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
; `& r1 s# G( f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: d; h7 H( L9 S# Z+ }1 o. W  [2 ]
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
* B0 R4 r" f9 e7 N5 p+ |, u$ w扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,+ M/ E9 Y4 x; `$ o& u
計番回報率就已經係50%,所以可以好好賺
8 f! D0 x+ b3 G前提係銀行之間要互相信任先可以咁樣借法
0 h  x) N# s. W. z8 p同埋個市場既前境要係好先得7 R0 ~1 a3 C; _7 P0 y3 w
但當經濟一差,公司估值趺了,物價不升反趺
- F/ g4 V( }8 m) m0 g% a* t例如剛才說10蚊的, 趺到得番9蚊, / G2 u/ B/ ]; f& I1 B3 ^% ~
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%  P8 l% k- Z6 I. P
所以你就會覺得D錢好似蒸發哂咁/ j' b+ S: _7 q' O- [0 N

" y, m0 C: N2 _  g& t$ R3 m你都可以當標野咁諗, 個樣野多人可以狂升值,
+ X) X% v8 a7 M  @. i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, : D1 O& U8 C* @8 f) J  j
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
+ E8 M& U2 N; H$ A1 V: o# T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 [# ^4 }! I
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
0 S8 J7 A2 D+ L$ G3 X唔係d錢蒸發, 而係比美國佬洗晒未來錢, ! n8 E. `/ g, H0 K% W
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ; Y! _! G: I% m0 b2 M
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( W5 @" }) ]; P. q. s0 U
咁你話d錢蒸發左去邊? ...
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正係咁樣
) X4 d$ o' n7 l% [/ \0 W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 z3 i; J; Q8 D# g2 W- J# Q分分鐘佢地唔使還錢/ R+ H( A, r& k$ D( o! R! @

9 H0 H$ y, a3 s5 A6 _1 |! h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,
7 h! K3 f/ e6 M  v- x5 j1 K& k連國家都係問人借, 不停發債券, 印鈔票2 K; s$ W9 P/ r! j) q8 m
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
1 k" H' z5 _$ O* Q: @2 z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/ G. r2 ?/ F5 L
咁而家"爆哂煲"算唔算先至係變番"正常"???
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2 e( r8 ?1 |) W5 k- L6 t其實係...
8 X) r6 U! }8 C$ a1 e因為以前未生產, 先消費
# I; M( i% p: Y  l而家就要多生產, 少消費
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