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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
0 P$ s4 q/ v6 I8 H5 c  AWhy bank will sell 借據給第三者???
2 Q( v, Z* H" h8 A0 f7 r7 ZI was so confused.....
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講到尾都係賺錢# U0 l6 D, m- V3 a' g
so銀行可以不斷放款/ Q! Y4 L7 k& H$ Y- Q
美國的房貸問題散佈到全世界
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: v) J  H- Z, B# Omortgage loan
2 F  d; E& F+ i7 d>conduit9 `* @7 C( c+ b/ d, _
>RMBS(Residential Mortgage Backed Securities); L: P/ m6 h: s5 k6 ?) w
>arranger# T6 f5 P4 K! p+ ^  M7 \
>CDO(Collateralized Debt Obligation): x- U8 i( n/ C: H8 _0 _" N
最後去到投資者
i thought it is the reason of rate of return.
( a- N% g) H# G- |CDs could have different ratings, AAA -> F,9 a1 [  R9 ~% q+ p1 G% V
more risky ones would have higher premium (interest rate) as a compensation for an investment.
5 A$ a" }) {. p$ v* f( k( y3 O( l* f1 _main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,5 B. s# E3 }# [4 z) s# w9 ?
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
9 ~4 A3 Q& q* @0 u  u8 XAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
0 U' f3 M8 e2 g; T( D4 ~4 t# msimilar to bonds, CDs trading in the secondary market have different value at different times,3 G* e/ _  ^% t: o6 d. |
normally the value is calculated by adding it's principle and interest. 1 t4 X& v  g6 d1 O! [( z/ L' G
eg. the value of the mortgage+the interests to be recieved in the future. 9 O* e* ~; f! X$ ^$ 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.2 m* o1 }7 ]9 Q; `3 s6 V, R5 d  y

, ]* W- U; F  F  y% ^2 Q3 D& oim not quite sure if the multiplier effect does really matter in this case.  F3 m( }1 f) a3 V1 Q! ^8 D9 V
in stock market, it's the demand and supply pushing the price up/downwards." A* X. b3 `, _
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
' f4 m5 g* o) _# ?A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.: p7 M. m1 L. @+ K7 f/ Q
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. % t, C  p5 x) O9 D  Q, j/ E
but the value of their assets did really drop significantly.0 K+ g$ w8 c  ^

9 G7 k: m( s' U7 e% [/ v5 q2 |0 }  b8 b[ 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! \$ ]1 }  m& V+ F2 k( O) z
Refer to last example,
3 I1 @& o( `6 ]0 T& Wthat means bank A have no money because we borrow 10 dollars from bank A : }2 E+ r- V* R, q& |) E
Because bank A doesnt have enough cash on hand
% D- w/ u: S; @* \- t7 |7 I# htherefore bank A need to be bankrrupt ??? Am I right ?? ...
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0 K1 c0 p: B  E0 sA->B->C->D->E
( q) k- X  ^3 N: L& @6 B' Cso does it mean if E failed to pay D, 3 P8 [2 j- j; `9 c8 O4 ^4 ]
all the B,C,D,E have to go bankrupt?
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the multiplier just tell how much money created in a whole economy,
5 e: {$ e! }7 P9 w8 I8 T4 r9 gin this case it doesnt really matter how much money is created,
6 T3 \6 y' r6 R3 f! G6 R2 Nit's the problem of the debt itself.: c( H+ L: `, 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
, ]1 J6 m" v+ I5 _) q( I小弟一直都唔明...
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7 N2 ?' f8 v7 [- Y! P全世界都蝕錢,咁邊個賺緊錢呢?1 m6 ]8 I( O, |; V0 B. c0 V1 ?
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無可能淨係有人蝕錢無人賺架嘛...
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' v2 ?5 E4 f$ R3 m敬請各師兄解答# L" X; T8 ?7 i4 g8 Q. {
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Thanks
+ q& t. N( r. z1 P那些根本係 紙上財富  - I+ s* Z0 ]% h1 R- \0 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 graphic0 a4 m; o8 X8 |" z) C( m

3 e; h7 g, ]2 zhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產  s' F* }  ]" `+ ]
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
/ t2 @8 X, J; _: G% C9 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; c. |1 l3 s& `/ L. R" W  F
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
( P3 O3 X2 b7 r% t扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,) [! ^- k7 A5 Z1 u3 q3 z) Z
計番回報率就已經係50%,所以可以好好賺
# {+ @) A# j! U: @2 J" P前提係銀行之間要互相信任先可以咁樣借法5 \: ^# {, f, R+ r$ o
同埋個市場既前境要係好先得
) G2 }/ V1 }( L5 ?' g% ~6 D但當經濟一差,公司估值趺了,物價不升反趺
: C$ b; {! k  L1 J例如剛才說10蚊的, 趺到得番9蚊, . w: E1 L4 z* q" d6 z
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
/ p% j- q& ]5 b5 D所以你就會覺得D錢好似蒸發哂咁3 _8 V6 u9 n' Y3 \: T2 V7 ]( c* ]

6 _! E) R! |& e/ D你都可以當標野咁諗, 個樣野多人可以狂升值,
! |5 ~+ E' J. V4 d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,
, S7 h" T' C5 [1 f( Q/ F  ~/ g  `淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
1 w7 s; d! b" Y" i+ J& J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
' x+ N2 e* y# c2 t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.gif0 t* ~$ C/ e% {, Y  Q
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
8 A9 A+ C1 f1 E" n淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
2 `) p( x' 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
$ x1 e' O( Z9 m( p! H咁你話d錢蒸發左去邊? ...
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正係咁樣3 `; N4 \' n0 W4 f) T5 }
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
. t9 s0 ~3 I9 ]( r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,
9 E5 s7 @+ L' {9 ^1 G連國家都係問人借, 不停發債券, 印鈔票
) J2 y+ r$ a6 X0 g一個國家好少出口, 而又大量入口 ,反映到佢唔多生產7 s+ U7 T( l: e" C9 S- H6 V; u3 G
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* X6 _4 ?; W, ~7 y/ Y9 {  S* z& `' h
咁而家"爆哂煲"算唔算先至係變番"正常"???
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6 ~5 m7 V9 T! w. v: Y5 w: V其實係...
" s. X# L/ @/ K; C因為以前未生產, 先消費+ z7 Z$ d7 c% ?4 d
而家就要多生產, 少消費
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