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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
( x8 C6 o' ^: HWhy bank will sell 借據給第三者???
$ H/ o+ C9 z# U* y# sI was so confused.....
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講到尾都係賺錢
! ]! C: @# {1 i# Tso銀行可以不斷放款
! x- X# [! N* E& }$ n美國的房貸問題散佈到全世界; e8 D* J6 l! n. }: U7 E, |

+ C9 R! F4 x* V. _8 Hmortgage loan ' [, T) {0 d( a3 J
>conduit
8 f- T+ u, ^2 {/ I! F>RMBS(Residential Mortgage Backed Securities)
0 C* P- ]+ g9 v. U: f>arranger
2 t9 V% u4 b) z3 Z>CDO(Collateralized Debt Obligation)
! E  |9 O* _0 W. ?3 N5 {最後去到投資者
i thought it is the reason of rate of return.
5 B, Y1 C$ m" v* e  ?CDs could have different ratings, AAA -> F,
3 s- E+ L2 n& n( qmore risky ones would have higher premium (interest rate) as a compensation for an investment.
" H. ~! y- E0 S% Cmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,' a4 H9 M; d" E0 T; ?
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
6 K' M" q" n7 H3 yAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
. ]6 ~' e- S, g' j: o& B) N9 f6 csimilar to bonds, CDs trading in the secondary market have different value at different times,
! S) N; n$ d6 y! \normally the value is calculated by adding it's principle and interest. ! i" f' d3 U# w( j5 B
eg. the value of the mortgage+the interests to be recieved in the future.
( f6 Q$ `7 Z8 a0 v+ B' [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.: m+ k& K1 [6 }1 y
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im not quite sure if the multiplier effect does really matter in this case.' ?8 L. j5 U7 {% `( h4 z) t  e5 ~; E
in stock market, it's the demand and supply pushing the price up/downwards.4 i3 N2 h4 J9 z7 k; d( q
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,5 T+ ~  T4 ], @# t, ]: x
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.6 c0 d. n% E. n
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. ! f; v  o1 y% B
but the value of their assets did really drop significantly.
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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
3 Y; L4 T3 d$ j+ W5 s  R" ^2 TRefer to last example,. G9 z: C) t% Z  j1 |  ~! N
that means bank A have no money because we borrow 10 dollars from bank A 9 b8 `: H. U+ w4 _8 T
Because bank A doesnt have enough cash on hand   }1 _' U9 L+ a  K/ z: ]
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E/ T& u) C/ C$ z. f' j+ q
so does it mean if E failed to pay D, + M0 j" o4 E. z) F# }9 I* W
all the B,C,D,E have to go bankrupt?1 {2 b( h" r/ R( X! F
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  G5 X( v5 L1 Zthe multiplier just tell how much money created in a whole economy,
! K, o* @$ C: _9 Min this case it doesnt really matter how much money is created,
$ C: I; L0 t& O; [4 k, jit's the problem of the debt itself.
4 c5 s8 y( r  uthe 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( x% E% G* }* J4 O) D" c
小弟一直都唔明...
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, n" z, z2 v: c: Y2 D5 d; |$ F全世界都蝕錢,咁邊個賺緊錢呢?: A  A  k/ y7 [1 L. E7 U

0 j. o, Y" v7 W* K8 A- P無可能淨係有人蝕錢無人賺架嘛...
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: V7 e3 T: i6 p" y- f5 [敬請各師兄解答
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$ u% w+ m. m  e4 QThanks
3 g8 z& G/ G0 q2 W& T那些根本係 紙上財富  8 f/ B8 v' a2 h
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
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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
2 Y) @- M$ a( m9 }$ u' _當經濟好,投資銀行相信會賺錢, 物價既估值相對較高/ D  V9 u; e9 T2 G2 d! 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
3 d5 P  `! h2 x! A% ^2 R* D! J個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
( ?/ A: i6 s4 w5 ]扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,$ `7 k+ d; M+ f: z
計番回報率就已經係50%,所以可以好好賺
! U: C0 g' y5 p' G" }前提係銀行之間要互相信任先可以咁樣借法
; T' T* ~1 E; H; ]+ [( q/ `! N/ c同埋個市場既前境要係好先得
* e3 F+ |: U9 M' A但當經濟一差,公司估值趺了,物價不升反趺- K; ?" U8 \6 `2 ]/ S! g( y
例如剛才說10蚊的, 趺到得番9蚊,
8 j) I5 o; n4 `% ^. U9 w! @$ X咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
1 ~! N2 h, d% {0 r' b- h) G所以你就會覺得D錢好似蒸發哂咁
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1 R  a8 Q- h% v你都可以當標野咁諗, 個樣野多人可以狂升值,
2 l% w8 x  J! [* H: D( {! B- n8 \1 H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( ?4 O6 R) K8 L1 H2 B9 z淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
6 \" x9 m0 i' }! @) N7 k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$ Y2 r# h: O; S$ o0 f) ^7 o' l
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
; S: G9 r+ l; n' K唔係d錢蒸發, 而係比美國佬洗晒未來錢, 0 ^# W( U% a, ?; D+ a  V
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
% W3 S9 D, q# S" z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
& O8 O  L8 p. V, t  o) F6 K咁你話d錢蒸發左去邊? ...
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正係咁樣' Y& q3 M, O0 b2 k* s
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, J6 [+ k" m' Q6 D; _' b
分分鐘佢地唔使還錢
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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,
5 H  J5 R4 y8 h) l; E3 [連國家都係問人借, 不停發債券, 印鈔票
; R1 u  l* s( G' r一個國家好少出口, 而又大量入口 ,反映到佢唔多生產' K6 D2 l& I/ b) Y* D
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
; ^) i- P* }7 ~  B( W' A咁而家"爆哂煲"算唔算先至係變番"正常"???
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: A* F1 b: y* h% V; {. G其實係...  x. {' l6 Z( [0 v$ H
因為以前未生產, 先消費! o. T7 i9 t0 S
而家就要多生產, 少消費
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