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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; E) c& L9 @8 M1 }( @0 vWhy bank will sell 借據給第三者???- H. {, p$ P8 Z( e* Q, ]$ h
I was so confused.....
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+ j( X  I7 f5 t: o3 ~講到尾都係賺錢
) {. `: A8 g$ o$ K; Cso銀行可以不斷放款
7 N. o0 W& V/ S7 D美國的房貸問題散佈到全世界
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mortgage loan
9 y" e- I' W8 W: C  K5 n3 x$ G" ^>conduit; b. l+ D- ?1 f: l6 C; S4 F; m
>RMBS(Residential Mortgage Backed Securities)
; ^9 R6 _8 a2 L7 X>arranger
1 Z) e+ I/ C9 L. ?>CDO(Collateralized Debt Obligation)
  X7 \1 \: \  ]0 K最後去到投資者
i thought it is the reason of rate of return.7 m: u) w6 H: q- g$ V0 S
CDs could have different ratings, AAA -> F,
6 L, {% K2 G5 W  y3 Zmore risky ones would have higher premium (interest rate) as a compensation for an investment.
9 A8 F$ q! z: o% Y2 d5 p7 xmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,& G8 J" L+ [' ]9 s# @
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.5 m; B7 l) x* \* a3 I
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
1 P0 K; [- F7 x) E$ z" Osimilar to bonds, CDs trading in the secondary market have different value at different times,
3 u! Z) X! O" ]0 |) nnormally the value is calculated by adding it's principle and interest.
# y$ p' ^' I1 f* n5 [) e( oeg. the value of the mortgage+the interests to be recieved in the future.
; h0 h) q! p' D, H3 C7 G, r; M) pbanks 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.6 F7 q0 U' ~1 ~- k) ?- l" V
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im not quite sure if the multiplier effect does really matter in this case.9 r" P, Z; _$ ~8 K: T4 V. ]/ G
in stock market, it's the demand and supply pushing the price up/downwards.3 `- x$ O' m2 a4 k. M1 [
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,: {* n& w4 W; F/ D+ r4 s) Q- D
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.7 H( _8 g# G% R2 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.
, `# \: ~3 ~; T$ }7 e, mbut the value of their assets did really drop significantly.6 F: f0 T  W7 O% P3 |! ]2 p
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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.gif2 _6 Q3 l7 K# ]) Y3 q/ E4 ^# a
Refer to last example,0 {- i# D9 w: ^0 I' m4 h
that means bank A have no money because we borrow 10 dollars from bank A $ f: ^: Z$ w4 z. q7 C
Because bank A doesnt have enough cash on hand
( X) p) S# x( b) a6 ptherefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E* t8 W* U( e5 s" \% N4 J
so does it mean if E failed to pay D, + S& I6 n3 y# a" \2 k
all the B,C,D,E have to go bankrupt?. k% |. Y1 U( B+ E6 f

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the multiplier just tell how much money created in a whole economy, 9 C$ g4 I! z  ^0 i& D
in this case it doesnt really matter how much money is created,
$ m$ m/ y. l9 O+ |% s+ r2 pit's the problem of the debt itself./ R) |# ]5 V! N8 Z3 |0 J
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# M) L$ J" e+ d- |7 x. M  _
小弟一直都唔明...
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5 D+ Y( r; ^; ^2 q+ {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...
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0 Y$ ]+ F: U- C/ f  }敬請各師兄解答+ |% n' P6 f0 G9 g( C6 ]
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Thanks
2 E- _3 |3 C( z# z& @9 w那些根本係 紙上財富  9 b/ H' L; l( w& M
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 F5 S9 ]/ S9 W' f8 |7 T
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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
9 u# k5 p" {  ~7 G8 N當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
# B& W7 l2 Q- j$ Z( G% m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 M8 b  L9 u8 ~$ e3 v. f, Y個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
& `3 v2 u9 Q/ H* g. D( C9 {扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,# x5 j* A) H# h' r- N: x
計番回報率就已經係50%,所以可以好好賺7 \/ l2 E' c2 m0 _
前提係銀行之間要互相信任先可以咁樣借法9 P! }; r, A. J( S
同埋個市場既前境要係好先得
; v3 {" B# p" M但當經濟一差,公司估值趺了,物價不升反趺
# \( ]5 n; \6 {% e. E3 g2 I例如剛才說10蚊的, 趺到得番9蚊, . g7 j; d+ w: L/ ], W
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%1 b6 h# k7 e$ a: E
所以你就會覺得D錢好似蒸發哂咁. l+ K4 Y* c/ c; ?0 _

& V7 E! V, Y9 o" c! L& E" |你都可以當標野咁諗, 個樣野多人可以狂升值, : M3 D" z2 U: 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,
( E; O" `% _8 P% u0 q8 n, K2 s- L淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
7 _/ E3 D, {1 t+ e7 ~4 R" z, m  \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  v, ^0 T; G, p* |6 b
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 d7 W4 M$ Z; w5 W  O2 c8 S唔係d錢蒸發, 而係比美國佬洗晒未來錢,
4 r5 F! H1 Y: s淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ) L. B5 j" I0 ?0 V. ~  c0 I4 n! [. O
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. j0 s2 [/ x0 o1 O, o
咁你話d錢蒸發左去邊? ...
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% o4 {9 w- B7 B% k; v4 i* V5 Y正係咁樣0 Q. B9 b& i1 T/ \- P$ O: L
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+ A$ v6 U1 x( \* N0 ~" E( ?  S1 M
分分鐘佢地唔使還錢
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9 U6 |% B8 z$ T1 U) A% k( U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,
4 J+ n! ~( D: l5 e# X/ `7 M連國家都係問人借, 不停發債券, 印鈔票4 ~4 l( o  C' t
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產& u" n- P( n" A
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. ~( }3 }2 K* M4 e# n9 E
咁而家"爆哂煲"算唔算先至係變番"正常"???
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  z; J; {  g# a6 A( A5 i其實係...& z5 f' O+ R6 E# j3 w7 G
因為以前未生產, 先消費) A' X7 r; @3 {% \
而家就要多生產, 少消費
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