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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.gif7 t+ e: D3 K- F/ c
Why bank will sell 借據給第三者???! e- M1 [; f8 W7 A* M( p8 h
I was so confused.....
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講到尾都係賺錢* W' K6 b. O+ a% F3 H6 t) `- W
so銀行可以不斷放款
5 ^0 ^: {* M& h" f8 N美國的房貸問題散佈到全世界
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' S: G; m+ W, Rmortgage loan 6 d6 G$ v7 F& r, N; s/ r
>conduit
4 e1 X: y1 k) _- r" C>RMBS(Residential Mortgage Backed Securities)
4 d+ s. {( U6 i2 a& l>arranger! n& x  \: Z) k% r+ C8 v
>CDO(Collateralized Debt Obligation)
9 [7 n% O; j/ I  S最後去到投資者
i thought it is the reason of rate of return.; J! ]; y2 \/ V1 v
CDs could have different ratings, AAA -> F,
# ]: c" Q- l* h! h# Fmore risky ones would have higher premium (interest rate) as a compensation for an investment.
% Z$ |; m1 i% s. _main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
+ W) t4 q0 d+ L! ?. }in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
% Y. B* E. N. \/ qAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency., h, }  A# _9 K
similar to bonds, CDs trading in the secondary market have different value at different times,  B7 b! S& T/ g0 e+ E5 l, {2 ]8 s
normally the value is calculated by adding it's principle and interest.
1 g9 O/ c$ o  P' M8 c8 l8 b! Deg. the value of the mortgage+the interests to be recieved in the future. , I& G" |: y( X; 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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- u5 ^; A* T% y4 o- z/ Sim not quite sure if the multiplier effect does really matter in this case.1 J2 b6 N& b7 E
in stock market, it's the demand and supply pushing the price up/downwards.
3 |5 V2 H; y0 f, T' r$ QFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,0 m+ w, f( K8 ]. O$ w
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
5 C. b0 B1 i3 LThe 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.
  ?; @' z& q: s4 [9 w4 Y+ K" tbut the value of their assets did really drop significantly.
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1 u+ Y. ]3 L  a/ d- v[ 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  O/ k& V; uRefer to last example,; r. L% g5 Q7 d+ A
that means bank A have no money because we borrow 10 dollars from bank A 3 ?' G$ S$ E6 S8 j- K
Because bank A doesnt have enough cash on hand - q: X5 `1 N! Y+ D/ Y
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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' @; I" r: a# j# o& h& R& \A->B->C->D->E! H/ J' n+ V4 P
so does it mean if E failed to pay D,
. F7 E/ K0 m  Q, ^! Rall the B,C,D,E have to go bankrupt?. U. C6 K$ g. p: d+ m, W
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the multiplier just tell how much money created in a whole economy,
* p! K" v# f5 ?0 p( vin this case it doesnt really matter how much money is created, 0 v" A. G% Z+ ]4 J# k
it's the problem of the debt itself.+ r' B& c& x' E+ h* n
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# f$ _4 ]2 ~. J% k
小弟一直都唔明...
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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...7 @5 [( z, S5 F: D
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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  / B9 G' e0 n( E6 Y
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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& }' s. s9 j/ Z% U- shttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產! I& _: U, h) \
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
6 j' p+ y2 ?4 f0 O8 E9 N% U" }0 _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1 L: T% ^5 b' S0 C; t$ t, ^. \/ a
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
* n6 v8 `8 ^4 b3 |9 L# Q扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,8 d# J: K% _% y( M
計番回報率就已經係50%,所以可以好好賺
$ d7 X8 m" `$ U3 M1 t前提係銀行之間要互相信任先可以咁樣借法
1 w& j3 X/ J+ L* t! F5 F同埋個市場既前境要係好先得
, N) [3 B% o& a( u0 B, d( `但當經濟一差,公司估值趺了,物價不升反趺
& g9 K7 |8 a+ Q( a  X- Y例如剛才說10蚊的, 趺到得番9蚊,
6 L0 L0 l" ?# r3 F; K/ K1 ?咁投資銀行一下子就要還11蚊, 一來一回變左虧200%, |2 R6 r7 a( Y0 W" H6 s) I( E5 x
所以你就會覺得D錢好似蒸發哂咁
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4 t* {  g8 g0 J你都可以當標野咁諗, 個樣野多人可以狂升值,
0 B! P/ d' F) L+ n$ j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,
! R9 I+ K5 ~2 S. N: [9 h. Z* a淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, " r9 V/ Z: z2 W# y# J2 G
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" p9 R3 G/ I% i' C; \
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.gif4 d/ g' v7 g. U8 b# U
唔係d錢蒸發, 而係比美國佬洗晒未來錢, ) b  O9 e1 [  h3 J% M
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
1 d7 c8 g+ x4 c: 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' e1 ^! r3 q5 a! T# P1 P咁你話d錢蒸發左去邊? ...
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正係咁樣
, m: y, g3 B" U# g+ H' u# Q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
. `; ^+ T+ h5 w% K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,
5 I+ J% e1 W& N) {: W3 }. L2 u連國家都係問人借, 不停發債券, 印鈔票
' m* J' v/ |7 q0 R; y+ g; w一個國家好少出口, 而又大量入口 ,反映到佢唔多生產) m& c" ^0 I) Y! ]
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
7 E0 K1 A& h4 t7 `! r咁而家"爆哂煲"算唔算先至係變番"正常"???
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! G* U7 B& b" M  d其實係...$ Z% g$ E6 N. k* o/ P" Y
因為以前未生產, 先消費" [9 {! y" L& j, J
而家就要多生產, 少消費
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