<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?
返回列表 回復 發帖
原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif" [7 ^" P7 `, n
Why bank will sell 借據給第三者???
. U9 Z3 J; z# k5 V- R- G2 OI was so confused.....
+ o4 R7 K3 }! N5 u  }0 p4 m$ o/ {# G. |
講到尾都係賺錢
/ L/ B$ n+ V5 S2 hso銀行可以不斷放款
; E4 i( d# F0 b4 c6 [美國的房貸問題散佈到全世界, w0 ?  ]( t1 T& y8 X' {/ W7 y4 X" P+ V
& Z- [* |. E, s3 ^9 q9 X2 w
mortgage loan $ _+ [$ O: m' ]3 d6 _5 \
>conduit
* l: [& n- p' A9 l>RMBS(Residential Mortgage Backed Securities)
9 f& J! r7 A9 t2 |  Z>arranger
- o. A; ~. d' j7 {4 ~>CDO(Collateralized Debt Obligation)
, Y6 c9 L2 \) ]+ d* K8 ]最後去到投資者
i thought it is the reason of rate of return.* M2 ]. q4 u! n- N# b1 j. i
CDs could have different ratings, AAA -> F,5 B% \1 I5 ]/ r  _& X8 _0 l
more risky ones would have higher premium (interest rate) as a compensation for an investment.
) e) ]# ^) g7 K4 i/ Wmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
  x; x7 h) P5 Sin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
3 D4 e! Z# I" o! Z8 MAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
) s5 o/ h# @" O( @similar to bonds, CDs trading in the secondary market have different value at different times,
; L4 }) p8 c( a" L) s: ~( Nnormally the value is calculated by adding it's principle and interest.
* j% |9 j' S5 e/ teg. the value of the mortgage+the interests to be recieved in the future.
% r! T0 D, G4 Jbanks 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.
/ J3 m, K; e, d4 D
6 ]! ~4 e" e5 G, sim not quite sure if the multiplier effect does really matter in this case.
) d6 g0 F( W$ n! i! Win stock market, it's the demand and supply pushing the price up/downwards.  K) i6 Z# L9 Y/ A6 i6 A: ]
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
& u8 F9 m! t' q8 S# Z9 S( w% tA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.5 i$ m  Y/ @* _+ D% K# `: e
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.
/ _2 m6 c" s9 {. [but the value of their assets did really drop significantly.; {& y* Q) p! c3 x
( ?9 Z8 v0 L( w  {2 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
# w7 L& U  e2 [$ B8 ^Refer to last example,
8 x  q9 C4 w$ O8 c. T9 vthat means bank A have no money because we borrow 10 dollars from bank A
; h& Z, L% U- j  Q- C9 ZBecause bank A doesnt have enough cash on hand
5 }9 @+ f; c9 H2 t5 Vtherefore bank A need to be bankrrupt ??? Am I right ?? ...
7 P7 C' T( B. U4 N: D9 z

* t  P! U# _. G1 u7 O% p# ^' ^2 U0 Y3 I
A->B->C->D->E
  X5 O: _( \0 _, L( _so does it mean if E failed to pay D, ) K% w7 o( [- X9 o
all the B,C,D,E have to go bankrupt?! w) Q' Q9 i! }% s7 Z! ~6 `$ a
, M6 O! S3 ~* \
2 \  {2 ^  W- T
the multiplier just tell how much money created in a whole economy,
% m: `# s1 l% v6 i1 K5 i  r; qin this case it doesnt really matter how much money is created, , _! [) D) y8 A& i5 Z; w& N
it's the problem of the debt itself.
$ r$ a/ V% m9 {) D) Fthe 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
# e$ L7 K* O3 w% Y/ {  K小弟一直都唔明...
8 V/ @- g  n: @+ D  Z
- l* P# ~3 Y4 W全世界都蝕錢,咁邊個賺緊錢呢?
, q$ u3 T+ U7 }, s5 C4 _& N8 [, a2 K9 `( J
無可能淨係有人蝕錢無人賺架嘛...
2 B+ \4 ~2 N/ O( M7 c7 r3 E: d, v5 L7 t" ^8 N; Q; I8 a
敬請各師兄解答
1 Y' {1 Y5 H& l% o1 ^6 |: Y, k0 T' k4 q6 k
Thanks
. z1 R, [, x# Z. [, ~1 J那些根本係 紙上財富  
1 N6 D3 U/ s0 e( V  [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
; D* @' B5 w! J4 k5 E, C1 [  m: Q( `5 H5 p5 H
http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
; r% N! K1 a( O( B- I當經濟好,投資銀行相信會賺錢, 物價既估值相對較高3 z8 B* z' |6 B1 A6 {
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
4 }- q% v* [8 P* y2 r個件物價係市場好既時候升, 例如15%先算,變左12蚊啦, k$ b1 O# q( d( |8 `
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,1 R6 ~$ O5 O3 j$ e$ P5 I
計番回報率就已經係50%,所以可以好好賺
0 Q$ y# ~& E( Q+ x6 ]: ]2 ^, r2 B前提係銀行之間要互相信任先可以咁樣借法1 f. U/ U7 `/ ?  y& x
同埋個市場既前境要係好先得, S! M& g* k# n4 C# K- t
但當經濟一差,公司估值趺了,物價不升反趺
9 B7 \( J9 s- j例如剛才說10蚊的, 趺到得番9蚊, 0 K$ v3 L) A0 N, t3 T) O+ z
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%) u* U, X: z9 r$ ?- }( `
所以你就會覺得D錢好似蒸發哂咁) O: g% ~" ?- Z- p; k1 f' o

7 q( p$ P& z/ X% r# s你都可以當標野咁諗, 個樣野多人可以狂升值,
7 }8 q4 N9 ?3 A6 l9 k& o. C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 [) [$ z' C
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ) h& h0 p' Y/ S: h) I3 ]" W
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, T: }% M( l7 j5 q! A1 d5 d6 ~
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' G( z2 l5 J5 _3 y4 c3 M
唔係d錢蒸發, 而係比美國佬洗晒未來錢, ( z5 S( `6 C- ~. X4 D/ E. C
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
0 x. h& G  v4 J9 g7 r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
% D0 W% n% A0 l0 r+ B$ q4 x咁你話d錢蒸發左去邊? ...
( Z; Y9 m7 @+ A4 Q
" ]- N) Q; N1 A( W! O
正係咁樣+ x* T! J. }4 P- W, [
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( K$ U$ B# Y1 v( P/ M( |6 ]6 l/ F/ H分分鐘佢地唔使還錢: f- @  ?/ {% {( k
: H- R; @1 D1 B! k5 u$ k
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,
* i! ~; a& e: ~) W8 s連國家都係問人借, 不停發債券, 印鈔票
) u4 B- H1 _/ Q一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
# h5 I) ^" H! P5 P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
( J; @1 J: p: j9 @1 b咁而家"爆哂煲"算唔算先至係變番"正常"???
1 ]2 W) g6 j; S& Y8 Z1 a; k; B
. ]( Y- s9 W" r* A/ F- B其實係...
# {6 T/ c0 S! Q$ ^8 i) n因為以前未生產, 先消費3 Q6 i6 q+ z  W$ u8 R9 n
而家就要多生產, 少消費
返回列表 回復 發帖
<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?

重要聲明:26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作,26fun.com對所有留言的真實性、完整性及立場等,不負任何法律責任。而一切留言之言論只代表留言者個人意見,並非本網站之立場,用戶不應信賴內容,並應自行判斷內容之真實性。於有關情形下,用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限,故不能完全監察所有留言,若讀者發現有留言出現問題,請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言,同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論,敬請自律。本網站保留一切法律權利。