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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/ W, v! Z6 e* F- Q( |+ i
Why bank will sell 借據給第三者???- ?- c) L) A% n: }# U( B* a
I was so confused.....
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2 B: E: U1 }4 h, l6 w. d講到尾都係賺錢3 b0 o8 z9 c& F, V/ R
so銀行可以不斷放款
7 B0 j+ P' K) j美國的房貸問題散佈到全世界
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mortgage loan
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>RMBS(Residential Mortgage Backed Securities)* y/ ]' k' k+ D$ l' R; ]0 j+ K
>arranger
/ L: y7 S2 _2 E6 ^5 p$ p* q6 I>CDO(Collateralized Debt Obligation)
7 ~; ?0 `: E# B% F. Q最後去到投資者
i thought it is the reason of rate of return.( y! z. k, A% x/ j: s0 Y7 {
CDs could have different ratings, AAA -> F,
- X2 N& `9 Y$ Q- T* z% b; A! G# Xmore risky ones would have higher premium (interest rate) as a compensation for an investment.
, s+ ^( K* U% V2 X+ Omain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,5 C1 s* u) k- w9 H# O3 \& g1 O. N
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.0 ~1 E& }& d( N
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
+ _& L* W) U  ]  l1 Ssimilar to bonds, CDs trading in the secondary market have different value at different times,8 S& E" {$ v: u
normally the value is calculated by adding it's principle and interest.
0 f3 |' }9 z# C7 r, Yeg. the value of the mortgage+the interests to be recieved in the future.
$ i5 ^" r/ U& g) p9 |) bbanks 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." Y' N, ~9 [9 A) f7 R  }; N
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im not quite sure if the multiplier effect does really matter in this case.
  q. X2 W. {8 n5 d" ^9 i" Gin stock market, it's the demand and supply pushing the price up/downwards.2 \2 z9 v- a" [  l
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,0 B$ ~. f- R' p# J6 H+ n+ Z
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction." y7 G  ~- s3 v
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.
* ~8 R' B9 D9 x$ Y. l$ q/ s) obut the value of their assets did really drop significantly.
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% _- n; a4 ^" n& Z7 E0 q3 d[ 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
% k7 o: @* P+ k# dRefer to last example,6 u# f+ n! A" C4 X# Z7 H2 ^8 R
that means bank A have no money because we borrow 10 dollars from bank A ) _( @! O7 w. S) I5 h  s
Because bank A doesnt have enough cash on hand
: F* I/ V& P$ }- o& \8 ftherefore bank A need to be bankrrupt ??? Am I right ?? ...
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5 k6 s9 f4 c+ h  L& M4 r+ c# tA->B->C->D->E- `* P5 _; @' ^" F4 k5 O, a
so does it mean if E failed to pay D, " m7 O. p& }2 r6 U, Q: A
all the B,C,D,E have to go bankrupt?  `8 j1 m: \8 D+ Y$ m

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the multiplier just tell how much money created in a whole economy, : [5 E1 C: O2 `% i/ `3 L5 E
in this case it doesnt really matter how much money is created,
, Y) k6 l9 R0 Dit's the problem of the debt itself.
: Q  C# N& y$ M% c9 Othe 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
: S" }+ J) n% S" M1 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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0 i. }) m; g9 e- x8 _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& w4 T, L$ n- K+ V

2 g9 t  l: n2 E/ p0 EThanks
5 V2 w# f' M1 T那些根本係 紙上財富  8 S) X2 x" }1 O% [# O
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& ?) E3 A; L  B- O/ f7 F8 ]
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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
: \; O3 ^4 L9 ~當經濟好,投資銀行相信會賺錢, 物價既估值相對較高3 N3 b/ H4 B2 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
7 a% l% N; }6 t* Q0 t6 H個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
& i: \! n- O: o' w' c扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊," V. u+ r5 v' L  ^9 P
計番回報率就已經係50%,所以可以好好賺* r/ V7 R$ T' [6 Z2 {; K) R+ b
前提係銀行之間要互相信任先可以咁樣借法* j% R" l5 y5 i5 p
同埋個市場既前境要係好先得
" b$ q! U/ j1 N$ X- T但當經濟一差,公司估值趺了,物價不升反趺$ |* ~! I% }; ?4 z" y) l+ ~
例如剛才說10蚊的, 趺到得番9蚊, ; g& K! O$ {9 T: W
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%, ~9 C' S* R: ]4 I. U
所以你就會覺得D錢好似蒸發哂咁" D1 v0 q% W; w6 o( |+ {$ [

% P: H' p; W- e5 g3 [你都可以當標野咁諗, 個樣野多人可以狂升值,
/ P* v- O4 w$ N3 ]9 z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, + h! B( u8 O3 B
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
$ Z0 d3 B, O6 E0 m, k8 P! u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
( ?6 _4 k! y: h& V1 w( k) F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
1 c$ b/ b/ K0 D& l唔係d錢蒸發, 而係比美國佬洗晒未來錢,
( m/ |7 D) C& N! M% ~淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
) `- L  ?# c$ |7 B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
2 \+ F% {' h. N6 I4 z& h# P咁你話d錢蒸發左去邊? ...
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正係咁樣
' S, `, E/ |+ ^' B3 T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2 l8 G7 G  E: N! p; S& o7 n+ O
分分鐘佢地唔使還錢
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+ h/ _1 H3 l: v% Y  g1 M9 I1 D( g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,
0 ?4 g9 E& o# }! F1 V; a0 x. [連國家都係問人借, 不停發債券, 印鈔票/ o" C! Y1 v* a, ?( ~; g
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
* y4 Z4 e2 H% c+ [6 i* {* Q* k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! `; w5 ~) O0 M% O; L# ~0 L; D
咁而家"爆哂煲"算唔算先至係變番"正常"???
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, D; s$ M. e9 r( k% M# I其實係...
$ f9 e( e2 s0 S5 H因為以前未生產, 先消費/ x& H7 v! j; O2 q
而家就要多生產, 少消費
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