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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 b/ M6 O9 u* m* p' f1 E* WWhy bank will sell 借據給第三者???
( \' Y* P1 {; V# P+ wI was so confused.....
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講到尾都係賺錢
3 \. \# X) n& W; kso銀行可以不斷放款
; q0 j0 H- s2 I7 j美國的房貸問題散佈到全世界
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mortgage loan
, _% |4 r- Q% Q. S7 i! t5 P>conduit
+ D5 }$ Y1 _2 l4 Q% S( Y8 q0 ]5 E  h>RMBS(Residential Mortgage Backed Securities)+ s: q  s8 S7 o$ n6 w8 u
>arranger* I6 c1 S6 m. h
>CDO(Collateralized Debt Obligation)4 n0 M# Q0 }/ t3 a* {! a) b4 n
最後去到投資者
i thought it is the reason of rate of return.8 ?2 K7 K' X, Q8 w9 K
CDs could have different ratings, AAA -> F,
8 h$ w9 L  [! H$ ~more risky ones would have higher premium (interest rate) as a compensation for an investment.2 y) l+ b) s. r9 F( \  ]3 ?. ~) i0 V+ g
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
0 O6 ?7 f" L& S  a- ~in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.# g: m2 ~4 ?# U1 N1 v( D2 W
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
" r  g* V& O; @  h- _) t6 C6 I3 Asimilar to bonds, CDs trading in the secondary market have different value at different times,
) A9 g" X% y0 F; F) V: X/ n  C& unormally the value is calculated by adding it's principle and interest. * V; ^8 V0 r- ^& Q- o
eg. the value of the mortgage+the interests to be recieved in the future.
* q" r: R; {- V5 G- P% |/ K$ 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.
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/ v6 T% h# M5 R5 n5 U2 o$ b% uim not quite sure if the multiplier effect does really matter in this case./ p$ O3 }' p9 H. x& ~
in stock market, it's the demand and supply pushing the price up/downwards.
5 P/ f. S6 ?$ y# FFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
. R7 t& F- M! T: J" J, `  N5 b% CA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
: D" ~9 c. F8 d3 \9 qThe 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. , n; N# x& J$ `( I4 J
but the value of their assets did really drop significantly.0 q1 `; I7 S) L' D+ Z

$ |) ?7 q2 O' d' A[ 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
0 X8 `& o- t& P: j& s. |+ \Refer to last example,
# `% S* }" {2 l+ [, w6 @. {4 tthat means bank A have no money because we borrow 10 dollars from bank A 7 W  `9 m, Z- f* `( g5 w' s
Because bank A doesnt have enough cash on hand ' z; e3 Q9 T) o% _$ O
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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, W0 {: I# O9 W, a' |1 |$ qA->B->C->D->E
. j/ p$ O* V' o9 o( q( C, E: fso does it mean if E failed to pay D, - i0 @1 ?- S8 @* _+ d; A) h7 P
all the B,C,D,E have to go bankrupt?2 i+ P% {6 s- g

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. l  ?% Z8 Z( X( [6 }the multiplier just tell how much money created in a whole economy, % j6 @7 [) r( z4 e( p
in this case it doesnt really matter how much money is created, . U  O- l- p" \" z/ r
it's the problem of the debt itself.3 A) E: ?2 z1 R. ]: {$ W! g
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.gif5 D4 ]' S0 J3 S6 U5 m
小弟一直都唔明...) Z+ {1 b; i0 U

% j3 }. A( i; R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...8 P- E2 R4 f1 m+ ]! C9 r0 p- u

( n5 `; q3 s' O6 g敬請各師兄解答; n& s, H! H: v
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Thanks
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那些根本係 紙上財富  
0 S9 [$ p7 c' Q5 {/ B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 graphic7 v$ O) D1 S. x" K& _; }) u
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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: V9 v: u6 J* Q. j9 P* _' O$ u+ G* H
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
2 V0 a8 u, o1 n0 x% U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9 A9 _" W) B; O" [
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
! V% O) U6 s# A4 o扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,! }5 t8 u/ C, Y: D
計番回報率就已經係50%,所以可以好好賺: H/ T6 l. m( x1 {% O) K7 y/ i
前提係銀行之間要互相信任先可以咁樣借法
0 T# ?+ f6 R+ `# \$ ]$ J同埋個市場既前境要係好先得- W: J8 D8 w6 \( ^
但當經濟一差,公司估值趺了,物價不升反趺
  _: p4 B6 Q$ ]* L5 _( ?2 O例如剛才說10蚊的, 趺到得番9蚊,
' J0 k. ~/ J% T1 D8 k咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
6 w  q: L/ f6 B" C- p所以你就會覺得D錢好似蒸發哂咁
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你都可以當標野咁諗, 個樣野多人可以狂升值, . [: d7 R. I# f  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,
$ @8 Z1 g) O: r8 m9 o4 P淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
; Q7 U9 n: w0 e7 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: _- S- _( H# C2 b5 _+ r) 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.gif
( g5 p5 x4 N/ _1 f) q$ [0 y唔係d錢蒸發, 而係比美國佬洗晒未來錢, + {8 r3 n8 R1 b/ k5 S% K- g; R7 n
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
! y4 s/ a& z) X3 V" 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, k! t* b( L* E  g
咁你話d錢蒸發左去邊? ...
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7 v$ o2 K2 c* [5 @; D& w; I正係咁樣1 y& e( s2 Z3 p- [4 M9 V2 B
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  m" k2 \7 h4 Z1 b- _; J8 F
分分鐘佢地唔使還錢
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% \4 X! n2 D" `' }8 J. q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 B; B9 l8 T/ t0 C  Y8 x連國家都係問人借, 不停發債券, 印鈔票
4 d& P7 F. F4 w0 Q8 Y4 y一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
5 ^8 C$ b1 d( F3 |6 F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- l5 X5 k1 g; Q
咁而家"爆哂煲"算唔算先至係變番"正常"???
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2 _: j2 i' z9 T8 E" G, I8 ^其實係...8 w9 o- E7 O* n8 z# ?
因為以前未生產, 先消費
1 H5 ?; O) o. O+ }+ ^+ v- g8 Q5 H5 r而家就要多生產, 少消費
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