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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
$ p1 m2 I$ a# r! [Why bank will sell 借據給第三者???
; q$ t  G- R% `' K: C) xI was so confused.....
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9 N8 h0 m( M4 Q8 \( }' y9 ?8 H講到尾都係賺錢
/ w  s# H9 y: s, `( Yso銀行可以不斷放款9 K9 H* F4 o! f5 u: i1 ]" q
美國的房貸問題散佈到全世界
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- @. o6 B2 e$ Emortgage loan
5 A+ `  E0 z- T% ^  [* f>conduit
$ k5 w) w: j% e3 o! o" h6 @" a  ?. i>RMBS(Residential Mortgage Backed Securities)
& |8 \$ X3 E9 y- P( O>arranger
- o# D+ |3 s3 Y4 I3 S7 e. D1 }# F3 K>CDO(Collateralized Debt Obligation)
1 Z3 y  x1 v3 _/ q- J0 O, w& F. D最後去到投資者
i thought it is the reason of rate of return.
6 e% Y- T) u8 G3 CCDs could have different ratings, AAA -> F,
5 `8 w  ~; q# Y* r6 \- lmore risky ones would have higher premium (interest rate) as a compensation for an investment.
' \7 }1 G; l, V1 }: N8 j$ zmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
6 k5 N. y( |) O! W- Uin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.: ~& y8 _# u7 H8 e* W" N& |$ s; a& U
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.( X$ ~: n# o: }0 u$ u. h, Q
similar to bonds, CDs trading in the secondary market have different value at different times,
2 @2 @' E6 `" ?normally the value is calculated by adding it's principle and interest.
/ b1 f+ J: ^& S* m0 b6 O$ xeg. the value of the mortgage+the interests to be recieved in the future. , n- q& F' Y8 M
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.( w' y5 K& W0 e

- d9 N$ ~0 H6 `" N5 {% ]im not quite sure if the multiplier effect does really matter in this case.
6 D; b7 t! f6 M8 |- i( Tin stock market, it's the demand and supply pushing the price up/downwards.; r6 Z/ {# i8 R# S% Q
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
- u0 d) f5 {3 z- r, q2 z% WA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.: T; h; O$ }6 r/ ?1 j& I) U0 r
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.
& `& H# k8 {, U- Mbut the value of their assets did really drop significantly.+ `% l: N1 t: D- F: }5 N' ?
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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.gif! b) K- e% ]- \6 b1 Y. X
Refer to last example,/ h- N) {( z( P: i  X9 A
that means bank A have no money because we borrow 10 dollars from bank A
9 H( C- S% u4 ]) @Because bank A doesnt have enough cash on hand
7 ~, R# [/ A. u0 q6 [therefore bank A need to be bankrrupt ??? Am I right ?? ...
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4 Z& m% k" N, T: I. @- LA->B->C->D->E
9 W2 B; q* t/ J6 I5 Nso does it mean if E failed to pay D,
# m/ Y# [2 L! }  B: s5 k' i# I/ kall the B,C,D,E have to go bankrupt?1 x$ S7 u: d8 q3 ~5 G  a8 Q6 S% l
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the multiplier just tell how much money created in a whole economy,
% S& k* G8 S+ p- p1 win this case it doesnt really matter how much money is created, ' ?/ C. N5 y6 J3 O/ p  [$ W0 ^
it's the problem of the debt itself.
! a* I! c  D  Z3 Q1 B5 w9 x+ 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( u) C! `8 o. e1 Z
小弟一直都唔明...
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& Y4 k% e2 y, [1 n, n全世界都蝕錢,咁邊個賺緊錢呢?1 h4 ~6 E6 Y  I$ p
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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- O; Y5 [/ L4 M7 H

# Z. f& A6 {3 h' E, uThanks
/ h# {# D; j! {( n
那些根本係 紙上財富  
, t9 {) z/ w1 H" s$ z* X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 graphic1 v% O  x. q" X5 _

$ |4 A- z: N" I( Z, I2 ?http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產$ k3 \4 g' y" j4 c$ l$ K/ L
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高" m' ?" f" {( L
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
* ?2 S2 m* j  [4 m" D' E個件物價係市場好既時候升, 例如15%先算,變左12蚊啦# o/ J. b! t9 s1 ^6 A8 N- H
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
: d  t4 S# ^" ^; B& [計番回報率就已經係50%,所以可以好好賺' V$ h* _7 c5 c/ q* K$ J; E0 o
前提係銀行之間要互相信任先可以咁樣借法5 L' ^; d) t, t( a; e
同埋個市場既前境要係好先得
# L9 ~9 p, M' M$ M$ e但當經濟一差,公司估值趺了,物價不升反趺
7 w9 Q/ d) |0 n7 I7 L例如剛才說10蚊的, 趺到得番9蚊,
- K" y' _# T+ z咁投資銀行一下子就要還11蚊, 一來一回變左虧200%% ~& }# v) Q7 m$ S9 j% c$ b: J: h
所以你就會覺得D錢好似蒸發哂咁+ y2 {0 M+ _/ W$ r7 [0 i5 a* }2 J2 T( t- N

9 n8 Y, k1 M# ?; I2 m- [你都可以當標野咁諗, 個樣野多人可以狂升值,
/ T# ~: T; z0 e) @8 b# K) s7 A) [( p7 r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,
, Z1 g3 d7 q0 {4 e  g淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
  o. h8 s& k5 z$ c( }4 x. X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" c+ P$ w7 F9 ]" \3 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.gif
4 Y0 g  f5 d/ o4 U: r# X唔係d錢蒸發, 而係比美國佬洗晒未來錢, $ v' o% y8 S- s3 I
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, / L6 Q0 c2 _) b0 s3 x& `* [
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4 n! [3 |; p; Y7 H% m" l
咁你話d錢蒸發左去邊? ...
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正係咁樣
; r& S: B$ i* q1 T+ i/ f4 h$ @# s3 Z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. H" @9 r& L  O! i( f! V1 j
分分鐘佢地唔使還錢
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9 i4 {  p0 j3 s6 T) ^. 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,
/ \: T3 K- i6 H$ P; q連國家都係問人借, 不停發債券, 印鈔票0 z# ~# T; s8 u* p( F
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產# M4 l. K: d' ~6 e
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
* _: ~. [0 X+ ~2 h' N咁而家"爆哂煲"算唔算先至係變番"正常"???
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8 }: ]+ q7 v# K其實係..." P! y$ M) \/ o# {* j6 ]
因為以前未生產, 先消費
* ?& @  y- y2 F; K) y- J7 O而家就要多生產, 少消費
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