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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
& h. F1 s: d. |- v# TWhy bank will sell 借據給第三者???, y, @+ K# d' R0 e( v+ }+ P: f1 M
I was so confused.....
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講到尾都係賺錢
5 p$ `& }/ m! Tso銀行可以不斷放款
* X2 B& o' \( u" |# `; I7 A1 t美國的房貸問題散佈到全世界7 A! l9 y6 E" Q8 Y
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mortgage loan + A5 z+ M- W0 A9 c# R
>conduit
/ g% n( k4 k* z- Y  N, ^>RMBS(Residential Mortgage Backed Securities)0 R5 v. Q- `2 [; s2 i- Y! `3 B
>arranger$ h5 l( @, S3 o- o' ]: b+ W
>CDO(Collateralized Debt Obligation)
" q& G8 b# H) [, y" ]/ O最後去到投資者
i thought it is the reason of rate of return.
3 p' D1 H( M+ B& Y9 o. b- R, {CDs could have different ratings, AAA -> F,
. z. S/ r4 U) Kmore risky ones would have higher premium (interest rate) as a compensation for an investment.
2 T- m  I4 B) h: Emain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
2 }5 N' h, j$ X0 @8 pin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.$ H6 S# o, b" _  y
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
+ J3 B0 m* V9 T3 Msimilar to bonds, CDs trading in the secondary market have different value at different times,6 Y; V) C) X" }( E! T% \. G. j. h
normally the value is calculated by adding it's principle and interest.
# a8 K# Y& p; {& x: v  |* _1 Neg. the value of the mortgage+the interests to be recieved in the future. 9 b+ B9 h* {+ \
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., G& W$ l. R' b1 N
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im not quite sure if the multiplier effect does really matter in this case.
: ~1 q8 F6 ^- R) Yin stock market, it's the demand and supply pushing the price up/downwards.( k/ ~: r  C  d) q
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,2 d5 B2 y" `6 m' |5 X- e5 t% u
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
+ Z4 _/ ?- J) O2 VThe 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. ! b/ N3 P* W' C. V# m; z
but the value of their assets did really drop significantly.
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  ?. y) a, f0 t+ v+ F. }* u7 h[ 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.gif3 j8 m+ ~; @, k; C( U
Refer to last example,
, T& n( U. V) j+ }5 uthat means bank A have no money because we borrow 10 dollars from bank A
. ]7 W+ w9 A& g3 J8 P8 bBecause bank A doesnt have enough cash on hand $ q( q3 F( E5 h6 I: v& Z
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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, h9 y+ F, f& J: B% ~" OA->B->C->D->E
6 o5 t# p6 r  x8 u3 Iso does it mean if E failed to pay D, 6 h1 b7 }. ~- Z; Q! j5 X2 N3 F
all the B,C,D,E have to go bankrupt?
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the multiplier just tell how much money created in a whole economy, ; C+ {; O3 z: h# q: Z6 F
in this case it doesnt really matter how much money is created, 1 o4 A9 q+ @1 b% D7 Y0 v$ ?- B
it's the problem of the debt itself.! {% ~, ^7 r2 k8 O& r& ~3 Q# @
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- J( A, t4 a! a
小弟一直都唔明...
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+ _" z; g( b6 V+ ]+ k" 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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敬請各師兄解答
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! h6 y5 D) [& k. |Thanks
  D, |+ R# ~2 e! F6 T那些根本係 紙上財富  
" D- W3 }1 Y1 j, G6 Y) P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* p" r( y- ~  ?6 e0 I

3 s( S& ~" F6 W7 [http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產! b# n1 L+ S% R! H/ c
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
1 |: x9 [. d/ j# G; \: v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6 g9 F$ L5 S4 P" g
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
: Q: m# f+ d4 M0 h- d扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
# f& ?) [# m2 j3 }( X/ H( U計番回報率就已經係50%,所以可以好好賺
! c1 F6 y( [' V/ Q, {; Y1 c& }前提係銀行之間要互相信任先可以咁樣借法
7 F2 j% Z+ E7 H/ Y8 y同埋個市場既前境要係好先得
4 K1 `( s7 ?3 X5 A& F3 s但當經濟一差,公司估值趺了,物價不升反趺
9 b9 B$ c( r; P例如剛才說10蚊的, 趺到得番9蚊, ( ]7 R5 f0 ^3 M3 o
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
. j; {0 r, R/ f" z6 D. `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, , l3 m( `1 n4 P3 ]; {, Z7 p" u
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, , U# q7 F! \. H6 n) k8 F: @2 e
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
7 h) A) W7 y- x: k( Y- @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" ]: I- L4 W( }( h* C9 `
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
: B  j' F- N+ B$ P8 F# u- W唔係d錢蒸發, 而係比美國佬洗晒未來錢, 2 [9 J) Z/ Y; n! M! [" A
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
$ w! O. g/ t7 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
' \$ B. o' F2 b4 s' @2 H% R咁你話d錢蒸發左去邊? ...
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# f+ p& {0 y4 E. Q6 @  m! e正係咁樣
7 s+ w8 K/ K3 K# L, y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
  r# X5 R! P1 T: ^. J分分鐘佢地唔使還錢
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( R- y; o$ M- ^$ |4 U8 C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,
+ y% R" a3 N9 H  a1 o  T2 |( h連國家都係問人借, 不停發債券, 印鈔票
: ~/ d* t& b  m% a- ^一個國家好少出口, 而又大量入口 ,反映到佢唔多生產. Y6 c7 I5 e! E# N
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 s# k4 V) f1 s咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
/ l: L) f2 v, E) w8 k因為以前未生產, 先消費
: C5 O" Y  T* L: t# ]) v, t而家就要多生產, 少消費
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