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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  T9 `& l, Y5 H" n& b+ T) \
Why bank will sell 借據給第三者???+ b" c4 n3 b6 c0 N0 O3 o- u
I was so confused.....
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講到尾都係賺錢. q5 D0 ?" s/ c0 I; U
so銀行可以不斷放款
* b$ V) X. n5 D1 g, g# I1 R5 Y美國的房貸問題散佈到全世界) N% V! o3 Z3 F* y* Q9 T

7 s- H+ q# d# K4 ?# R5 ~mortgage loan
+ m7 D' v4 a. c' x8 u5 i% x>conduit7 h. ~% V' O4 g' I: W2 {! X! h
>RMBS(Residential Mortgage Backed Securities)
& W, j! k- X5 p. d4 k>arranger: e) K) m9 H) }
>CDO(Collateralized Debt Obligation)) K0 _4 w" {2 T3 l5 k/ t- f5 u# G
最後去到投資者
i thought it is the reason of rate of return.8 `: t# a- v0 ^) W" V
CDs could have different ratings, AAA -> F,
  I2 i5 ?/ y' nmore risky ones would have higher premium (interest rate) as a compensation for an investment.
) y' K+ _' p* _$ A! }3 Gmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
" {% n. z) {6 D1 Nin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.3 @. Z+ t, i" v+ s
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.5 t0 F" @' Y0 _
similar to bonds, CDs trading in the secondary market have different value at different times,
. c! @$ n5 B$ gnormally the value is calculated by adding it's principle and interest. 0 R6 A) @* D+ {5 @; b* D
eg. the value of the mortgage+the interests to be recieved in the future. 3 s% O% `8 e/ S3 T. a+ z
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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# A; O1 L6 P$ m; E% T5 ]( x  E, y# mim not quite sure if the multiplier effect does really matter in this case.3 c" f, q7 a( U. A0 F1 }
in stock market, it's the demand and supply pushing the price up/downwards.
* q, Y: j6 |* D. wFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,+ y. j  H* h5 i5 {8 Y8 @9 c9 s
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
  i6 ?4 b* e! Q, E. h1 wThe 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. . P) g8 S' \( D: |9 H& i
but the value of their assets did really drop significantly.& J+ Y! Z# B* A2 `
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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.gif8 f/ {7 V& B# r; k$ A
Refer to last example," x/ L8 F: ^' n$ t4 z' c4 {7 e9 q
that means bank A have no money because we borrow 10 dollars from bank A
& e0 G7 b4 m% l) H7 j/ H( TBecause bank A doesnt have enough cash on hand / r: d6 M  g% M/ C# Q; D% z7 \
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
" u* _$ M6 g" j) ]so does it mean if E failed to pay D, ' J0 X. _- Z, T; }  N2 w. x
all the B,C,D,E have to go bankrupt?4 i2 B% D# U( J- G3 G5 Q  O
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the multiplier just tell how much money created in a whole economy,
* O5 b& Z# I3 A1 G* P$ Sin this case it doesnt really matter how much money is created,
0 X4 L) v8 a; ]  yit's the problem of the debt itself.
) \7 f* Y/ y2 F+ `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.gif8 p3 b6 F, t, A: U
小弟一直都唔明...9 Y* b1 @" ~$ x$ q, o

% x- g; k0 |" w2 ~! L% f% h全世界都蝕錢,咁邊個賺緊錢呢?
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無可能淨係有人蝕錢無人賺架嘛..., {3 I) X7 V5 h7 c7 ]  K: F
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敬請各師兄解答5 j5 {" ?7 S, O8 U9 q, {
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Thanks
+ p" z' P  X5 C( K# r% ^; A那些根本係 紙上財富  
' r7 K( g3 `7 ^2 N' G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( }6 r  J" i6 E" }9 |1 H" K" M

  f" \5 V% x- Mhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
/ v! z  O4 O; v8 Y0 p6 a當經濟好,投資銀行相信會賺錢, 物價既估值相對較高- t4 d8 `/ P2 R* o+ ]" P
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& ?6 R% `% P4 v# {) D9 Z+ s5 X
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦$ Z' Y' c5 z8 n( m. m" ?7 E
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,9 u8 s6 @4 v# s" j
計番回報率就已經係50%,所以可以好好賺
& j! h/ d& O+ x- a; u: d前提係銀行之間要互相信任先可以咁樣借法7 i7 X6 h  `4 G' q- t
同埋個市場既前境要係好先得
& S7 u4 b' b! }% V但當經濟一差,公司估值趺了,物價不升反趺5 t0 [# h* l6 z( H) |  x
例如剛才說10蚊的, 趺到得番9蚊,
7 y4 D, R: D* |咁投資銀行一下子就要還11蚊, 一來一回變左虧200%- u  @8 Z$ l, |
所以你就會覺得D錢好似蒸發哂咁# [4 S( N& n2 Z- E- J8 ]

+ ?" }$ \) K- V' H2 F2 s' u你都可以當標野咁諗, 個樣野多人可以狂升值, ; \7 t" l* Z9 M# X$ W+ a- c( N
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, ( j1 ~$ d. }; C9 P- x
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ; i9 }* |4 E6 n& O% X" C
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
/ H1 P2 i  h; O: k; W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: A+ T- T( R1 y
唔係d錢蒸發, 而係比美國佬洗晒未來錢, ; J$ X7 P% x7 U7 a- V
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 7 v# w* [6 H: w
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
" s- Q7 u4 k5 f% s; x% i咁你話d錢蒸發左去邊? ...
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5 Y5 q$ F# D) ?6 Q1 H7 ]/ E3 \正係咁樣
) Q) p- E: Z0 H+ h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
* v( h3 T/ v$ }, l8 @分分鐘佢地唔使還錢# s- |- ]- a( ~, _4 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,' t1 Q+ Y9 G, d% }6 p4 i+ ^
連國家都係問人借, 不停發債券, 印鈔票
4 C  [8 H- i/ E/ I& o( _* \一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
; Q6 V% L( ^' Q$ }& w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
& S$ k. `1 d- F+ g8 z  d咁而家"爆哂煲"算唔算先至係變番"正常"???
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5 v* c5 q. a1 D其實係...
# t; S1 r/ b7 Q' R: |7 ^4 j因為以前未生產, 先消費1 {5 w5 Y, {4 X* `: \
而家就要多生產, 少消費
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